Is damage to my drone covered by homeowners insurance?
Your drone may suffer multiple types of damage when you are using it and when you are not using it. For example, a fire or a windstorm may cause damage to the drone while in storage, or it could be stolen from your home. If your drone is damaged by a covered peril, your drone may be covered under your policy's personal property coverage.
If the drone is used for illegal activity, damage may not be covered. While your personal liability coverage may provide coverage for damage and injuries caused by a crashed drone, damage to the actual drone won't be covered.
Can homeowners insurance cover damage caused by drones?
Homeowners insurance policies often exclude coverage for damage from an aircraft, but, in certain situations, your policy may cover damage caused by a radio-controlled aircraft or unmanned aircraft systems (UAS). The Federal Aviation Administration considers drones to be aircraft, which means they fall into a gray area. Contact your insurance agent to learn more about your home insurance coverages and determine whether recreational or commercial drones are covered under your homeowners insurance policy.
Privacy violations stemming from a drone
A drone has a bird's-eye view of the surrounding area, which means it can sometimes see into places that would otherwise be private, such as behind a fence or into someone's home. If someone files a lawsuit against you for invasion of privacy caused by a drone, your home insurance policy's liability coverage may cover you if it was accidental. If it's proven that you intentionally used a drone to spy on or surveil another person, you could face criminal charges and may not be covered by your homeowners policy.