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Are drones covered on my home insurance?
I purchased a drone on Black Friday and received it in the mail yesterday. It was expensive, so I’d like to protect it the best I can. Are drones covered on my home insurance?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
A drone is really exciting, but I’d be nervous about flying it, too! Luckily, your drone should be covered on your home insurance.
Since you’re using your drone for fun, most insurance companies would consider it personal property, similar to a model or hobby aircraft. Your home insurance will cover your drone for its
actual cash value
anywhere in the world. That said, damages to your drone will only be covered if they result from a
named peril
on your policy. This means your policy won’t cover neglect, general wear and tear, or accidentally crashing it into a tree. Common perils covered include:- Theft
- Vandalism
- Fire
- Wind
To confirm coverage for your drone on your home insurance policy, reach out to your insurance company or review your policy terms and conditions. You’ll want to ensure you fully understand your coverage before taking your first flight.
Even if you’re happy with your current home insurance coverage, it never hurts to review your options. Use
Jerry
to browse quotes from top insurance companies in seconds. They even help cancel your old policy once you’ve made your pick.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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