Finding the best insurance for drones isn’t just about getting the lowest price, it’s about getting the right protection. Whether you’re flying recreationally, running a photography business, or operating a full commercial drone fleet, the best insurance will safeguard your equipment, your business, and your reputation.
What Makes Drone Insurance ‘The Best’?
The best drone insurance provides comprehensive protection, flexibility, and support from specialists who understand aviation. Here are the qualities to look for:
- Comprehensive Coverage: Liability, hull, payload, personal injury, and non-owned coverage options.
- Strong Liability Limits: At least $1M, with options up to $25M for commercial operations.
- Specialized Expertise: Aviation-focused brokers who understand FAA regulations.
- Fast Certificates: Clients often require same-day proof of insurance.
- Claims Advocacy: Real people helping you through the claims process.
Comparing Drone Insurance Options
Not all drone insurance providers offer the same coverage or level of service.
Provider | Strengths | Limitations | Best For |
Skywatch | Quick, app-based coverage | Limited coverage options | Hobbyists |
State Farm | Property protection | No liability coverage | Recreational pilots |
Verifly | Hourly, flexible policies | Not suitable for commercial contracts | Part-time operators |
BWI Aviation Insurance | Full-service aviation broker | Annual policies | Professionals & fleets |
What the Best Drone Insurance Covers
The right policy protects more than just your drone. It covers everything that could go wrong during a flight:
– Liability: Injuries or property damage caused by your drone.
– Hull: Physical damage to your drone.
– Payload: High-value cameras, sensors, or LIDAR systems.
– Personal Injury: Claims of privacy invasion or reputational harm.
– Non-Owned Coverage: Protection when using rented or borrowed drones.
Average Cost for the Best Drone Insurance
At BWI, we see most pilots paying between $500 and $2,500 per year depending on drone value and operations. Liability-only policies start around $300 for hobbyists, while comprehensive coverage for professionals averages about $1,200 annually.
Real-World Example
A real estate drone operator insured with BWI had a policy with $1M liability and $20,000 hull coverage. During a shoot, their drone malfunctioned and hit a building facade, causing $7,500 in property damage. The claim was processed and paid in full within a week—proof that the best insurance pays when it matters most.
How to Choose the Best Provider
- Define Your Needs: Hobbyist or commercial operator? Your use determines your risks.
- Compare Coverage Options: Don’t settle for liability-only if your equipment is valuable.
- Ask About Claims Support: The best providers offer human help, not just apps.
- Work With Aviation Specialists: Brokers like BWI have direct access to aviation carriers and markets.
Why BWI Is Among the Best
BWI Aviation Insurance has been a trusted name in aviation for over 45 years. We specialize exclusively in aircraft and drone insurance, offering unmatched experience and personalized service. From single-drone operations to national fleets, we tailor coverage that grows with you.
Conclusion
The best insurance for drones gives you more than a policy—it gives you peace of mind. When you’re insured with BWI, you’re backed by aviation experts who understand your business and work to protect it. Don’t settle for convenience apps or partial coverage—get complete protection from a broker who knows aviation inside and out.
Get your drone insurance quote today from BWI Aviation Insurance>>
BWI Aviation Insurance | bwifly.com | (800) 666-4359
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