How to Insure Your DJI Drone: Coverage Options Explained
Owning a DJI drone is an exciting investment, whether you're capturing stunning aerial photography, using it for business, or just flying for fun. But like any high-tech device, accidents can happen—from a crash to theft or unexpected damage. That's where drone insurance comes in.
Here's everything you need to know about insuring your DJI drone and the types of coverage available.
1. DJI Care Refresh (Currently Unavailable in the U.S.)
DJI Care Refresh was once a popular protection plan offering coverage for accidental damage, including:
- Crashes and collisions
- Water damage
- Broken gimbals, propellers, or motors
However, as of now, DJI Care Refresh is not available for new purchases or renewals in the United States. This is due to logistical challenges, including customs delays and parts shortages, which have affected the availability of replacement units and repair services in North America. As a result, DJI has temporarily suspended the program for U.S. customers.
2. Personal Articles Policy: A Reliable Alternative
Given the unavailability of DJI Care Refresh, a Personal Articles Policy (PAP) is a viable alternative for insuring your DJI drone. Offered by many major insurers, including State Farm, a PAP provides coverage for:
- Accidental damage
- Theft
- Loss
These policies are typically affordable and ideal for hobbyists or semi-professional users who want reliable equipment protection. Coverage is often global, making it suitable for travelers.
Note: Personal Articles Policies generally do not cover liability or commercial use. For business purposes, consider additional liability coverage.
⚠️ Keep in mind: while Personal Articles Policies often cover loss from flyaways, coverage can vary by insurer. Some may require proof of legal and responsible operation, and limits may apply. Always confirm with your provider before flying.
3. Homeowner’s or Renter’s Insurance (with Add-On Coverage)
Some DJI pilots add their drone as a "scheduled item" under personal property coverage in their homeowner’s or renter’s insurance policy. This can protect against theft, fire, and certain types of accidental loss.
⚠️ Warning: these policies usually don’t cover liability (if your drone injures someone or damages property), and they may not apply to commercial flights.
4. Liability Insurance
If you're flying your DJI drone for commercial work under Part 107 certification, liability insurance is highly recommended—and in some cases required by clients or venues. Liability policies protect you if your drone causes:
- Injury to people
- Property damage
- Vehicle damage
Coverage amounts can vary, but many businesses opt for $1M+ liability policies to stay compliant with contracts.
5. Commercial Drone Insurance
For professionals using DJI drones in industries like real estate, surveying, construction, or media, a commercial drone insurance policy is the most comprehensive option. These plans may include:
- Liability coverage
- Hull coverage (for the drone itself)
- Payload coverage (for attached cameras/sensors)
- Ground equipment coverage
- Even privacy and data liability coverage
Providers like SkyWatch.AI, Global Aerospace, and Allianz offer flexible plans, including annual coverage or on-demand hourly policies.
Which Insurance Is Right for DJI Pilots?
- Hobbyists: Personal Articles Policy or a homeowner’s/renter’s insurance add-on is usually sufficient.
- Enthusiasts / Semi-Pro Flyers: Combine a Personal Articles Policy with liability insurance for extra protection.
- Commercial Operators: Opt for a full commercial drone insurance package covering liability, hull, and payload.
Final Thoughts
DJI drones are built to be durable and reliable, but accidents and risks are part of flying. Whether you're flying recreationally or professionally, the right insurance ensures you're protected—so you can focus on flying with confidence.
At US Drone Supply, we're committed to not just supplying top-quality drones, but also helping you fly responsibly and securely.