Our pick: CoverWallet
- Online quotes by insurance & business type
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Drones aren’t cheap, and they could cause damage or injury if something goes wrong, making drone insurance essential. While your options are more limited than other types of insurance, you can still find affordable policies for anything from worker drones to mini surveillance drones.
To pick the best companies, our editorial team compared rates, amount of coverage, types of coverage and how each company handles claims. We also considered factors such as customer service ratings, quoting process, availability, drones covered and exclusions.
State Farm is one of the largest insurance providers in the country and provides coverage for both personal and commercial drone use. It offers affordable pricing on special policies, making it easy to protect your equipment.
If you have a DJI drone, it comes with a standard product warranty that covers repairs and replacements for drones and parts, but you still may need to pay out of pocket for other damage. If you’re looking for more coverage, DJI also offers the Care service plan that provides coverage for accidents and other accidental damage, much like an extended warranty policy.
Best known for its car insurance, Geico also offers coverage to protect your drone. While you won’t be able to get a policy designed specifically for your drone, you can add coverage to your renters or homeowner’s policy for a slightly higher premium.
With a reputation for providing coverage to members of the military and their families, this provider can also help cover your drone. It doesn’t offer drone insurance policies, but instead allows you to cover your equipment under your renters or homeowners insurance policy for a few extra dollars a month.
This multinational insurance provider sells insurance in over 80 countries and has recently begun offering personal and commercial drone coverage. Developed with the help of aerospace industry professionals, AIG drone insurance provides coverage for equipment, operators, liability and more.
When comparing drone policies, ask your insurer about these factors to help you get the best coverage:
Finding the right coverage for your industry will vary based on the kind of coverage you need for your drone.
If you’re using a drone for real estate-related business, consider commercial drone insurance with liability coverage. It provides coverage if you cause damage or injury and can even protect the pilot on the ground.
AIG might be the best drone insurance for real estate, since coverage is specifically designed for commercial flights and allows you to customize your policy.
Drones used for construction-related business have an increased risk of being damaged or damaging other property. This type of policy will cover almost any damage to your drone and has high coverage limits for third-party liability damage.
Commercial coverage might be necessary for professional photographers and videographers who have expensive equipment. Some clients may require you to have commercial drone insurance for liability coverage.
If you fly your drone for fun, a personal policy should offer the coverage you need. For example, if you’re a hobby photographer or videographer, personal drone insurance is likely sufficient if you’re not flying in high-risk areas where you could damage property or injure someone.
Personal drone policies offer coverage for accidents and other damage to your drone, making them a great choice if you fly in a safe area away from potential hazards. Personal policies are often much cheaper than commercial drone insurance, since they don’t offer liability coverage. You may even be covered under your homeowner’s or renter’s insurance policy.
Drone insurance can help protect you for both personal and commercial use, covering liability, accidental damage, repairs and more. Get quotes from multiple providers and compare your options to find the drone insurance that meets your needs.
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