State Farm Drone Insurance Policy – Should You Buy It?

If you are shopping around for drone insurance, you must have heard of State Farm Drone Insurance.

So, is it true that State Farm offers the “Most Affordable Drone Insurance”? And, does this policy provide coverage to Part 107 pilots as well?

Read our detailed review where we cover all this and much more in great detail.

Does State Farm have Drone Insurance?

Yes, it does.

State Farm drone insurance has become the go-to option for hobby pilots because of its affordable cost. State Farm offers drone insurance under its “Personal Articles Policy”. This policy covers many personal items – cameras being one of them. Your drone will be insured under this particular sub-category.

To Be Noted – This is a Recreational Drone Insurance that is not meant for Part 107 or commercial drone pilots.

What All is Covered Under State Farm’s “Personal Articles Policy”?

State Farm’s Personal Article Policy will cover:

• Bicycles (such as racing bikes and electronic assist bicycles)
• Cameras
• Collectibles (such as dolls, model trains, sports cards, comic books, and stamp and coin collections)
• Computer equipment and software (personal use only)
• Fine art (such as paintings and sculptures)
• Furs
• Hearing aids and medical devices (such as hearing implants and insulin pumps)
• Jewelry
• Musical instruments
• Prosthetic devices (such as artificial eyes and limbs)
• Silverware/goldware
• Sports equipment
• Sports, leisure, and powersport items (such as fishing equipment, bicycles, and golf clubs)

Why Should You Purchase State Farm Drone Insurance? Here are the Main Benefits…

Cost

Costing barely $6 per month or $60-$70 per year, this is one the most affordable drone insurance for hobby pilots.

Zero Deductible

This is another huge benefit. Insurance companies charge a deductible to cover their administrative costs. But because this policy comes with zero deductible, you can expect full reimbursement if you crash your drone.

Inflation Coverage

If you opt for this additional feature, your drone value will be appraised annually based on the Consumer Product inflation index.

Sounds Too Good To Be True…Any Catches?

This is what I was wondering as well after reading all the positive reviews online. After some research, this is what I found:

You Might NOT Have a Positive Experience When You Renew Your Policy

We found that some pilots were either denied a zero-deductible policy or worse…denied coverage altogether when they attempted to renew their policy. Note that you need to renew your policy every time you crash your drone.

Particularly, some pilots have found it difficult to renew their policy if they crashed their drone within the first year.

Coverage is NOT Available Everywhere

If you a drone pilot in California, you are out of luck. State Farm Drone Insurance is not available in the state of California.

This is NOT a Liability coverage

This policy does not cover any damage to people and property that you might cause with your drone.

You must be following FAA guidelines while flying: 

Which means, since the FAA recently changed recreational FAA drone rules, if your house falls in controlled airspace… you must always obtain a LAANC authorization before flying. If you fail to acquire the authorization and you crash, don’t expect your claim to be covered.

How Do I File a Claim?

Filing a State Farm Drone Insurance claim is a simple four-step process:

Step 1: File your claim through the website, app, or by calling 800-SF-CLAIM (800-732-5246)

Step 2: Review. You might be asked to furnish details like date and time of the accident, photos etc.

Step 3: Estimates + Repairs

Step 4: Payments are usually disbursed in 3 days

Any Alternatives to State Farm Drone Insurance?

Geico Drone Insurance is another good option for hobby pilots.

Skywatch is another good option for recreational pilots.

But, I am a Part 107 Pilot. Which is the Best Drone Insurance For Me?

If you are a Part 107 pilot, we strongly recommend you check out Skywatch Drone Insurance. Check out our detailed Drone Insurance Guide for an in-depth cost comparison.

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