Drones have transformed the real estate industry. Stunning aerial photography and cinematic flyovers help listings stand out, attract buyers, and close deals faster. But every flight carries risk, and one small accident can lead to thousands of dollars in damage or liability. That’s why drone real estate insurance is a must for every real estate agent, photographer, and media company using drones.
Why Real Estate Professionals Need Drone Insurance
A single drone accident can cause property damage, injure someone, or result in a lawsuit. Even small drones can cause serious harm if they malfunction or lose signal.
Here’s why every real estate operator needs drone insurance:
– Property Damage Risk: Crashing into a client’s roof, car, or window can result in costly repairs.
– Injury Liability: Drones flying near people increase the risk of injury claims.
– Client Contracts: Many real estate brokerages and media clients require proof of insurance.
– Professional Credibility: Being insured sets you apart as a responsible, trustworthy operator.
What Drone Real Estate Insurance Covers
Comprehensive coverage for real estate drone operators includes:
– Liability Coverage: Protects you from third-party injury or property damage claims.
– Hull Coverage: Covers repair or replacement costs if your drone crashes or is stolen.
– Payload Coverage: Protects cameras, gimbals, and lenses used for aerial photography.
– Personal Injury Coverage: Covers privacy or reputational claims tied to filming properties.
– Non-Owned Coverage: Protects you when using rented or borrowed drones.
How Much Does Drone Real Estate Insurance Cost?
At BWI Aviation Insurance, most real estate drone operators pay between $500 and $1,500 annually depending on drone value and liability limits. Basic liability-only policies start around $300 per year, while full coverage with hull and payload protection averages $1,000–$2,000.
Example cost breakdown:
– $500K–$1M liability coverage: $300–$600/year
– $1M liability + hull coverage: $800–$1,500/year
– $2M+ liability for production companies: $2,000+/year
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Case Study: Real Estate Photographer Avoids Major Loss
A real estate photographer in San Diego was capturing aerial footage of a waterfront property when their drone lost GPS signal and crashed through a neighbor’s skylight, $9,500 in damage.
Their BWI drone real estate insurance policy covered the entire claim, including property repairs and drone replacement. They avoided out-of-pocket costs and kept their reputation intact.
Why General Business Insurance Doesn’t Work
Standard business or homeowners insurance policies almost always exclude aviation-related incidents. That means if your drone causes damage or injury, you’re not covered. Drone-specific aviation insurance ensures you’re protected and compliant with FAA regulations.
Why Choose BWI for Real Estate Drone Coverage
BWI Aviation Insurance has been protecting aviation professionals for over 45 years. We specialize in drone coverage that meets both FAA and client requirements.
With BWI, you get:
• Access to multiple aviation insurers for competitive rates
• Same-day certificates for contracts or film permits
• Personalized service from real aviation experts
• Comprehensive coverage tailored for real estate and media professionals
Conclusion
Drone real estate insurance gives you peace of mind so you can focus on capturing beautiful listings, not worrying about risk. Whether you’re an individual photographer or a full media company, BWI provides coverage that keeps your business protected — on every flight.
Get your drone real estate insurance quote today from BWI Aviation Insurance.
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BWI Aviation Insurance | bwifly.com | (800) 666-4359
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