Drones are ordinary now, and the liability they create is new enough that policies treat them inconsistently. Some cover a hobby drone, some exclude aircraft by name, and the word aircraft is doing a lot of work.
Many policies exclude liability arising from aircraft. Whether a drone is an aircraft depends on the wording.
Three things about flying something over other people.
Personal policies commonly exclude liability arising out of the ownership or use of aircraft. Whether an unmanned aircraft falls inside that exclusion depends on the policy wording, and forms differ. A household that assumes a drone is a toy for insurance purposes may be assuming wrongly.
A drone over a neighbor’s property can produce an invasion of privacy allegation as well as a physical damage one. That falls under personal injury cover where it exists, which is itself optional on many umbrellas.
Flying for payment, including photography for a real estate listing, is a business pursuit and is excluded from personal policies. That is the most common way a hobby becomes an uninsured exposure.
Whether the hobby is inside the policy.
The exclusion wording decides it and it differs between carriers.
Payment moves it out of personal cover entirely.
It is what answers a privacy allegation.
Tell us whether anyone flies a drone and whether anybody pays for the footage.
