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Drones have become increasingly popular, and not only for commercial use. The Federal Aviation Administration reports that over 858,000 drones were registered in the United States as of February 2022, and the majority (over 500,000) were designated for recreational purposes.1 And really, this figure doesn’t even include all drones flying our friendly skies. The FAA only requires drones that weigh more than 0.55 pounds and less than 55 pounds to be registered, so the tiny ones you can buy on Amazon.com often go unchecked.2 As a side note, drones that weigh more than that must register with the FAA aircraft registry.3
No matter why you have a drone or what kind you own, you may be interested in getting insurance. While a homeowner's insurance policy will likely cover damage to your drone that takes place on your property, this type of insurance will not cover commercial use. Not only that, but using homeowner's insurance for your drone may require you to pay your homeowner's insurance deductible, which may not be feasible for many claims.
For those reasons, drone owners can and probably should purchase drone liability coverage that covers property damage or bodily injuries caused by their drone. You can also look into hull coverage that covers physical damage to your drone, as well as add-on coverage for equipment, remote controls, and more.
We compared the top drone insurance providers to find out which ones offer the best coverage for both recreational and commercial use.
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