What does drone liability insurance cover?

Which insurance companies offer good drone coverage? I heard State Farm has it for about $60 a year. Are there any other companies with similar coverage?


Drone liability insurance typically covers the following:

  1. Third-Party Bodily Injury: If your drone causes bodily harm to someone else, the insurance can cover medical expenses, rehabilitation costs, and legal fees associated with the injury.
  2. Third-Party Property Damage: If your drone damages someone else’s property, such as a car or a building, the insurance can cover the repair or replacement costs.
  3. Legal Defense Costs: If you are sued for drone-related incidents, liability insurance can cover legal fees, court costs, and settlements or judgments resulting from lawsuits.
  4. Personal Injury Claims: Liability insurance can cover claims for invasion of privacy, defamation, or emotional distress resulting from drone operations.
  5. Advertising Injury: Some policies may include coverage for claims of libel, slander, or copyright infringement arising from drone-related advertising or marketing activities.

It’s essential to review the specific terms and coverage limits of your drone liability insurance policy, as coverage may vary depending on the insurance provider and policy details.


Finding the right drone insurance coverage is important, especially if you’re using your drone for commercial purposes. While State Farm is known to offer drone insurance for about $60 a year, there are several other companies that provide similar coverage.
Here are some options you might consider:

  • BWI Fly: Known for high coverage limits, offering liability coverage up to $25 million.
  • SkyWatch.AI: Offers flexible insurance plans tailored to your needs
  • Thimble: A good option for hobbyists, providing short-term coverage

You should compare the coverage options, limits, and premiums of these companies to find the best fit for your specific needs.

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I’ve learned drone liability insurance is my safety net in case of accidents. It covers things like injuring someone or damaging property if my drone malfunctions or I fly it by mistake into a restricted area. Basically, if my drone messes up and hurts someone or breaks something, this insurance would step in and help pay for the damages, saving me from a big financial headache. This way, I can fly with peace of mind knowing I’m covered!

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Affordable and straightforward coverage. State Farm is well-established and known for reliable customer service.

State Farm is known for offering drone insurance at an affordable rate, starting at around $60 per year. However, several other insurance companies also provide drone coverage, including Allstate, Progressive, Farmers Insurance, and AIG. These companies offer drone insurance as part of their personal liability coverage options, with customizable limits and deductibles. While State Farm’s offering is well-known for its affordability, it’s essential to compare coverage options, limits, deductibles, and customer reviews from different insurers to ensure you select the policy that best fits your needs and budget. Additionally, be sure to inquire about any specific requirements or restrictions related to drone usage imposed by the insurance provider.

Hello, Amanda. If an accident involving your drone results in legal action, liability insurance may cover legal defense expenses, judgments, and settlements.