mobile menu

Is Drone Insurance Worth It?

September 4, 2020

Drones can be a pricey investment. Camera drones start at around $300 and go up from there. After you purchase one, you’re probably wondering how you can protect your investment. You’ve heard about drone insurance, but is it really worth it? We’ll tell you all you need to know about drone insurance in Maryland.

Is it Required?

The short answer, no. Insurance is not a requirement for drone users in Maryland. However, drones range anywhere from $40 to over $2000. The higher the cost of the drone, the more likely drone insurance is a good idea for you. This is especially true if you use your drone for business. Having drone insurance for your business drone will give you that added security that your investment is covered. 

The good news is that most insurance company policy wording makes drones covered under the same regulations that would cover your personal property or contents. Some insurance companies won’t even make you pay an additional amount to cover your drone. Talk to your insurance company to see if this applies to your policy. 

Why Would You Need it?

Did you know that drones are classified as an aircraft under the Federal Aviation Administration (FAA)? That shouldn’t be surprising. These sophisticated Unmanned Aerial Vehicles (UAVs) can perform a multitude of functions while in the air. There are hundreds of drone accidents every year, which makes getting drone insurance a good idea. Some foo the common causes of drone accidents include:

  • Hitting an electric line
  • Loss of control
  • Drone loses power

These accidents can result in anything from inconvenience for the neighborhood to severe bodily harm. 

Insurance for Personal/Recreational Drones

So you have a drone that you use for fun, you still may want to consider getting drone insurance for it. Insurance companies will ask you a series of questions regarding your drone, so be prepared to answer questions such as: 

  • Where will the drone be used?
  • Will it be used for competition or racing?
  • Who will fly the drone and how old are they?
  • Do you have any training? 
  • What’s the drone’s make, model, and identification number?

These are just some of the many questions you’re likely to be asked when looking for drone insurance in Maryland. 

We’ve Got You Covered

If you’ve been thinking about getting drone insurance, American Heritage Insurance is here to help. We offer a variety of flexible coverage plans for your drone. We make it easy for you to get a quote with our online form. Still have questions? Call one of our agents or contact us today for all your drone insurance needs! 

What Our Clients Say...

Over and above the time, effort and saved dollars that you put into earning our business – your careful attention to detail in getting our coverage right is what mattered the most. Thank you for educating me about the differences in coverage and for reallocating our insurance dollars to minimize our exposure while maximizing our policies.

- Eric L, President of Jeffrey Press, Inc.

Click here to view the areas that we serve

Frederick County: Frederick (21701, 20702, 21703, 21709), New Market (21774) , Mount Airy (21771), Urbana (21704), Ijamsville (21754), Walkersville (21793), Libertytown (21762), Damascus (20872), and more.

Howard County: Clarksville (21029), Columbia (21044), Cooksville (21723), Dorsey (21075), Elkridge (21075), Ellicott City (21043), Fulton (20759), Glenelg (21737), Glenwood (21738), Granite (21163), Hanover (21076), Highland (20777), Jessup (20794), Lisbon (21765), Marriottsville (21104), North Laurel (20723), West Friendship (21794), Woodbine (21797), Woodstock (21163), and more.

Montgomery County: Olney (20832), Damascus (20872), Laytonsville (20882), Silver Spring (20910), Clarksburg (20871), Gaithersburg (20878), Germantown (20876), Bethesda (20816), Chevy Chase (20815), and more.

Baltimore County: Arbutus (21227), Catonsville (21228, 21250), Cockeysville (21030, 21031, 21065), Dundalk (21222), Edgemere (21219), Essex (21221), Garrison (21055), Lansdowne (21227), Lochearn (21207), Lutherville (21093), Middle River (21220), Milford Mill (21244), Overlea (21236), Owings Mills (21117), Parkville (21234), Park Heights (21215), Pikesville (21208), Randallstown (21133), Reisterstown (21136), Rosedale (21237), Timonium (21093), Towson (21204), White Marsh (21162), Woodlawn (21207), and more.

Carroll County: Eldersburg (21784), Finksburg (21048), Hampstead (21074), Manchester (21102), Marriottsville (21104), Taneytown (21787), Union Bridge (21791), Westminster (21157, 21158), Mount Airy (21771), New Windsor (21776), Sykesville (21784), Woodbine (21797), Taneytown (21787), and more.

We also serve the rest of Maryland and the United States.