Menu
Forums
New posts
Search forums
What's new
New posts
New media
New media comments
New profile posts
Latest activity
Media
New media
New comments
Search media
Members
Current visitors
New profile posts
Search profile posts
Log in
Register
Search
Search titles only
By:
Search titles only
By:
New posts
Search forums
Search
Search titles only
By:
Search titles only
By:
Menu
Welcome DJI Spark Pilot!
Jump in and join our free Spark community today!
Sign up
Forums
General Forums
sUAV Rules & Regulations
HOA banning drones
JavaScript is disabled. For a better experience, please enable JavaScript in your browser before proceeding.
You are using an out of date browser. It may not display this or other websites correctly.
You should upgrade or use an
alternative browser
.
Reply to thread
Message
<blockquote data-quote="Earthman" data-source="post: 108719" data-attributes="member: 16717"><p>I don’t know about homeowners insurance (SEE UPDATE BEL0W), but it’s worth asking about to make sure you are covered.</p><p></p><p>Otherwise, what you said about AMA insurance appears to be untrue. Upon review, I found nowhere in the AMA insurance policy, safety guidelines, or by-laws where it says or is implied that members have to fly at AMA sanctioned fields, can’t fly where convenient and safe, or that the insurance coverage isn’t applicable to off-sanctioned-field locations. The only requirement is that you follow AMA safety guidelines, which are common-sense guidelines that most reasonable people can understand and follow. You can find the relevant details online in the AMA Member Manual and insurance policy.</p><p></p><p>I’m sure you will get some pushback from any insurer if at the time of your accident/loss you were flying recklessly or not following generally accepted safe practices such as flying too close to people or moving vehicles, BLOS, etc.</p><p></p><p><u>UPDATE</u>:</p><p></p><p>My homeowner's policy is with State Farm, which does not cover damage to the drone, and may not provide liability insurance. However, I can get separate insurance from State Farm that covers drones under a Personal Articles Policy (PAP). A PAP is coverage beyond the homeowners or renters policy to repair or replace items not protected by other policies. So it's like "hull insurance" for boats and aircraft.</p><p></p><p>State Farm will pay to either repair or replace the drone, and no deduction is made for depreciation. The PAP coverage covers both theft and accidental physical damage (with some limitations and exclusions). State Farm's PAP policy provides worldwide coverage (except for fine art items). NOTE: State Farm does not currently offer PAP insurance in California.</p><p></p><p>The PAP policy does not include liability, so if I damage someone's property or cause injury to a person, I would not be covered by State Farms's PAP. Property damage and injury may be covered under my homeowner's liability coverage, but I need to clarify my coverage and get it in writing from my agent.</p><p></p><p>PAP premiums usually cost $2.75 per $100.00 insured with a minimum of either $30.00 or $60.00 (so the minimum premium will cover drones costing up to between $1,090 and $2,180) depending on the state of residence. Applicants need to provide a copy of covered equipment receipts (including accessories) to prove the cost of the drone. The most common accessories covered are:</p><p></p><p>Cameras</p><p>Controller</p><p>Drone Batteries</p><p>Drone Propellers</p><p></p><p>The following are underwriting requirements: 1) limited to hobby or recreational use, 2) weigh under 55 pounds, 3) copies of all purchase documents must be submitted with the application, and 4) information on the brand and model must be furnished.</p><p></p><p>My AMA membership will cover liability for recreational flights. Membership provides other benefits as well.</p></blockquote><p></p>
[QUOTE="Earthman, post: 108719, member: 16717"] I don’t know about homeowners insurance (SEE UPDATE BEL0W), but it’s worth asking about to make sure you are covered. Otherwise, what you said about AMA insurance appears to be untrue. Upon review, I found nowhere in the AMA insurance policy, safety guidelines, or by-laws where it says or is implied that members have to fly at AMA sanctioned fields, can’t fly where convenient and safe, or that the insurance coverage isn’t applicable to off-sanctioned-field locations. The only requirement is that you follow AMA safety guidelines, which are common-sense guidelines that most reasonable people can understand and follow. You can find the relevant details online in the AMA Member Manual and insurance policy. I’m sure you will get some pushback from any insurer if at the time of your accident/loss you were flying recklessly or not following generally accepted safe practices such as flying too close to people or moving vehicles, BLOS, etc. [U]UPDATE[/U]: My homeowner's policy is with State Farm, which does not cover damage to the drone, and may not provide liability insurance. However, I can get separate insurance from State Farm that covers drones under a Personal Articles Policy (PAP). A PAP is coverage beyond the homeowners or renters policy to repair or replace items not protected by other policies. So it's like "hull insurance" for boats and aircraft. State Farm will pay to either repair or replace the drone, and no deduction is made for depreciation. The PAP coverage covers both theft and accidental physical damage (with some limitations and exclusions). State Farm's PAP policy provides worldwide coverage (except for fine art items). NOTE: State Farm does not currently offer PAP insurance in California. The PAP policy does not include liability, so if I damage someone's property or cause injury to a person, I would not be covered by State Farms's PAP. Property damage and injury may be covered under my homeowner's liability coverage, but I need to clarify my coverage and get it in writing from my agent. PAP premiums usually cost $2.75 per $100.00 insured with a minimum of either $30.00 or $60.00 (so the minimum premium will cover drones costing up to between $1,090 and $2,180) depending on the state of residence. Applicants need to provide a copy of covered equipment receipts (including accessories) to prove the cost of the drone. The most common accessories covered are: Cameras Controller Drone Batteries Drone Propellers The following are underwriting requirements: 1) limited to hobby or recreational use, 2) weigh under 55 pounds, 3) copies of all purchase documents must be submitted with the application, and 4) information on the brand and model must be furnished. My AMA membership will cover liability for recreational flights. Membership provides other benefits as well. [/QUOTE]
Verification
Post reply
Forums
General Forums
sUAV Rules & Regulations
HOA banning drones