Considered Insuring your Drone?
Have you ever considered getting a drone? You know, a drone…one of those quad-copter thingie ma bobbers that has every child (and adventurous husband/father) drooling!! You see boys of all ages in yards, parks, playgrounds, and church parking lots flying these aircraft. They are supremely awesome and a LOT of FUN!!! However, there are a few things you should consider before you purchase one of these totally cool man-toys!
Unmanned aerial vehicles (UAVs), better known as “drones”, are becoming increasingly popular. There was an estimated One million being sold in the United States this holiday season alone. That really is quite a surge in popularity! And, the thing that brought this to light is the actual multi-rotor ariel drone, but there are lots more aircraft than just the multi-rotors.
As a kid, my parents bought me a fly by wire cox .049 aircraft I used to fly in my driveway, spinning round and round, until I was half sick. In college, I built an airplane out of Styrofoam and used to fly, or most commonly, crash that aircraft on a regular basis (you can still see the scar on my forearm where I sliced my arm open getting it too close to the spinning propeller). Today, at 49 years old, I have a little radio controlled indoor helicopter sitting right here on my desk that I lovingly refer to as the Covenant Corporate Aircraft. Kids of all ages (yes dad’s even) get a kick out of seeing that little bird zip around the lobby. My buddy just bought a hopped up version of this that has a camera, which allows him to fly it out of sight by using his iPhone. He tells me stories of flying that bird down the halls of his office scaring coworkers. Funny yes…smart no!
The Federal Aviation Administration recently announced a requirement that most drones be registered and numbered for identification. Drones requiring registration are those that weigh more than .55 lbs (there may be other requirements…you can learn more by visiting http://federaldroneregistration.com.
Many people are concerned about liability coverage when they, or other household members, are flying the fun, but arguably potentially dangerous aircraft. Some insurance companies provide no coverage for this exposure. Insurance companies have had to consider many factors as these vehicles have become popular, such as the ability of the operator, and they must consider the intent of the user. Even the build of the drone itself can weigh into the picture. When a drone causes damage, and it is a possibility, the companies are looking at all kinds of factors (perhaps I should tell you the story of flying the helicopter into my wife’s hair and twisting it all up). No claim, but Boy was I In TROUBLE!!
Erie Insurance took a good look at the up and coming UAV’s (drones). Erie policyholders can fly knowing they do have coverage. However, you should keep in mind that coverage applies for hobby use only. Your Erie homeowners policy will not cover liability (bodily injury or property damage) arising out commercial use of a drone (photography business, surveying, etc.).
Before you fly your drone, be sure you speak with us. You want to be sure you are clear on what your policy will cover, and will not cover.
Fly safe, fellow aviators!
I deal with Bonnie and she is great. She goes above and beyond and is very helpful when questions arise. She is also very friendly and courteous. J Spangler
The service at Covenant Insurance is only surpassed by the personal attention I receive.
Thanking the Lord for such a Trustworthy, reputable, helpful Company that has been so good about explaining & making sure we are taken care of with Insurance needs. Jon Stone, our Agent has been great @ explaining everything when I changed Insurance Companies. My son also has Covenant Insurance as their Company which makes me really happy. God Bless All
Cindy, I just wanted to take a moment and thank you for helping us with our last two transactions. You were so kind to call us while you were on vacation and we needed your assistance. Today with adding a new vehicle you made the process quick and painless!”
I have really enjoyed having Rob as an insurance man. His friendly and helpful attitude is always appreciated. When we moved into our new home and had a glitch, Rob went above and beyond to insure that we could move on time. I’ve never forgotten his “can do” for our family.
I entrust Rob Stone and Covenant Insurance with ALL of my insurance needs, both personally and professionally.
A real person answers the phone. That is so refreshing today. The one claim we had was handled simply and quickly. No fuss. No worries.
We moved from the area, and still do business with her – and my daughter does as well.
The gals in the office are VERY pleasant and helpful. Ideas for changes are addressed in a good way-never “pushy”. Rates are very good! Home & Auto claims have been handled wonderfully!
Very thrilled with my experience! I have never had any issues with Covenant Insurance.