I just read the ISO (insurance services organization) HO 3 - this is the standard policy or outline of a policy that most insurer's use. You should always get a copy of your own policy and read for yourself, but I'd be surprised in the liability section was dramatically different.
http://wps.aw.com/wps/media/objects/380 ... endixA.pdf
Of interest is that aircraft liability is excluded. However, our drones don't meet the definition of aircraft.
There is nothing in the liability section that would exclude coverage for an injury or property damaged caused by the Phantom (or any other similar craft) provided that the accident was not intentional and you were not in the course and scope of "business" when the accident occurred.
With that said, most people only have a couple hundred thousand in liability coverage. It would certainly be worthwhile to explore a personal umbrella policy.
For those without homeowners insurance, I would suggest picking up a tenants policy. For a reasonable price, you will have contents coverage for your personal stuff as well as a liability policy.
http://wps.aw.com/wps/media/objects/380 ... endixA.pdf
Of interest is that aircraft liability is excluded. However, our drones don't meet the definition of aircraft.
There is nothing in the liability section that would exclude coverage for an injury or property damaged caused by the Phantom (or any other similar craft) provided that the accident was not intentional and you were not in the course and scope of "business" when the accident occurred.
With that said, most people only have a couple hundred thousand in liability coverage. It would certainly be worthwhile to explore a personal umbrella policy.
For those without homeowners insurance, I would suggest picking up a tenants policy. For a reasonable price, you will have contents coverage for your personal stuff as well as a liability policy.