Fly a drone? Does your insurance policy protect you?
Here's a heads up for anyone who flies a drone. You'd be smart to check with your insurance company to find out what sort of coverage you have should that drone cause damage or hurt someone.
"If you put a drone into the air and it causes damage or injuries to others, say it crashes into a house or a car or injures someone who is walking down the street, you might be held financially responsible for those injuries or those damage,” said Kenton Brine, president of the Northwest Insurance Council. “So it's a good idea to check with your insurance company or you agent to make sure your homeowners policy or your renters insurance provides coverage for you for that liability."
Some drones can be mighty expensive. Your homeowners or renters policy should cover you if that drone is stolen.
Brine reminds us that your deductible will kick in before any claim is paid, so if the loss is really minor – say less than $500 – it may not be worthwhile to file that claim.
Damage to a drone that crashes is probably not covered.
If you plan to use that drone for businesses purposes, you'll need to get a commercial policy. The typical homeowners or renters insurance does not provide protection for that.