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Home Insurance does not cover your drone if it is stolen

Discussion in 'General Discussion' started by Sandy MacDonald, Jan 20, 2016.

  1. Sandy MacDonald

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    So at the weekend I had my house broken into and among other things they took my P3p.

    Now the home insurance is saying it isnt covered because it is a "mechanically propelled or assisted vehicles and toys"

    So this thread is for me to ask for advice on how to get my home insurance to pay up and to warn you all that you may not be covered.
     
  2. BigAl07

    BigAl07 Moderator
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    Even though that sounds crappy as all get out if they have that clause in your account there's not much you can do about it at this point. Ask if they offer some kind of "rider" that would cover one in the future.

    Sorry to hear about this and hope you get some help somehow.
     
  3. eaglegoaltender

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    Insurance companies will come up with all kinds of exclusions when needed by the insured. I have Allstate Insurance and my policy lists in the exclusions..........

    "Aircraft and aircraft parts". However, it also states "This does not include model or hobby craft not designed to carry people or cargo" (meaning a (hobby craft) UAV would be covered).
    I checked it out with my agent and was told my Phantom 3A is covered under my home insurance policy as to theft or damage if used as a hobby and not commercial use.

    I also spoke with my business commercial insurance provider and he is to get back to me as to coverage for theft and/or damage from flying these with a thermal camera. His initial thoughts were I could get coverage for this if used under my commercial policy for business - approximates less than $100.00 as to annual premium increase. We will see!

    Other insurance providers list these as a "Flying Drone Camera" and/or "Flying Camera" and do cover them as such. Perhaps if you read through your policy Sandy, there may be some wording like that which may enable coverage for you (even just "flying camera"). If they can "split hairs" for exclusions - maybe you can also as to an "inclusion".

    Sorry to hear of your break-in - it's a lousy feeling just knowing someone was going through your house and belongings - despite what they stole. Best of luck with this.
     
  4. tcope

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    The best thing you could do is upload a scanned copy of your policy or the exclusion section containing that information. Don't include your limits page with personal information.

    Using a search of those words I found a Halifax policy. It was not a quote direct from the policy but did contain this information:
    "Road vehicles or any other mechanically propelled or assisted vehicles or toys, or parts or accessories for any of them except for motorised garden tools, electric wheelchairs and remote-controlled or battery-powered models or toys.
    • Aircraft, caravans, trailers, boats, windsurfers, other watercraft, or parts or accessories for any of them."

    (incorrect spelling was left in)

    "...except for ... remote-controlled or battery-powered models or toys."

    I think its doubtful that they would try to say its an aircraft.

    This is from an AA Insurance policy:
    "The following are not included as contents. (a) Road vehicles or any other mechanically propelled or assisted vehicles or toys except domestic gardening equipment, electric wheelchairs and remote-controlled or battery-powered models or toys. Caravans, horse boxes, trailers and trailer tents. Aircraft and hovercraft."

    again... the "except" part goes to include remote controlled toys. Seems like this is a semi typical exclusion but not aimed at toys or models.

    Lastly, if they have not denied your claim in writing, then it's not been denied.
     
  5. Sandy MacDonald

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    It is the Halifax that I'm with. They have not yet denied it in writing, I have been called by the complaints department and they are reviewing it, not that I have much hope.

    Do you think If i tell them it is a remote control toy it would make a difference?
     
  6. eaglegoaltender

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    I definitely think it would help to identify it as a "remote controlled toy" or even "remote controlled camera" might be better.

    I just looked through their exclusions and inclusion (Halifax) and noted the following under "what is not covered"

    "Road vehicles or any other mechanically propelled or assisted vehicles or toys or parts or accessories for any of them except motorised garden tools, electric wheelchairs and remote-controlled or battery-powered models or toys"

    Reading that statement tells me - your remote controlled "toy" should be covered!
     
    #6 eaglegoaltender, Jan 20, 2016
    Last edited: Jan 20, 2016
  7. MedinaTaylor

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    I got the same kind of deal as gueromixx, but through State Farm. It was only about $60 a year. Covers damage from crashing, theft, loss, etc.

    Liability is covered under my homeowners.
     
  8. 10X

    10X

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    Did she know you were going to post the number on a public forum. You should call her & apologize for all the spam calls she's going to get.
     
  9. jpd

    jpd

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    Say it's used for freelance photography and it's a flying camera?


    Sent from my iPhone using PhantomPilots mobile app
     
  10. elizabeth beck

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    Hello,
    There are many insurance policies which fire damage, water damage , storm damage, cover mechanical propelled toys. When you are not satisfied with the amount that your company is willing to pay on your claim, a public adjuster represents the policy holder to maximize his insurance claim. Boca Raton insurance adjuster can help make it an easier process for you .
     
    #10 elizabeth beck, Nov 14, 2016
    Last edited: Nov 19, 2016
  11. Neon Euc

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    So sorry to hear about the break in. Really hope they catch the people responsible. Hope that you get your drone covered

    Sent from my Power using PhantomPilots mobile app