{"id":4835,"date":"2015-12-17T05:43:14","date_gmt":"2015-12-17T05:43:14","guid":{"rendered":"https:\/\/469899a3-97a5-4c9b-8d86-b9629724411a.cc10.conves.io\/?p=4835"},"modified":"2015-12-17T05:43:14","modified_gmt":"2015-12-17T05:43:14","slug":"soyou-bought-your-kid-a-2000-drone-for-christmas","status":"publish","type":"post","link":"https:\/\/swflinsurance.com\/soyou-bought-your-kid-a-2000-drone-for-christmas\/","title":{"rendered":"So\u2026\u2026You bought your kid a $ 2000. Drone for Christmas\u2026"},"content":{"rendered":"

2015 will be \u201ca defining year\u201d for small drones. The projected total U.S. sales of 700,000 units in will mark a 63% increase from 2014. The wide range of drone models available this Christmas\u2014from the $40 Protocol Neo-Drone Mini to a $3,000, 15-pound DJI T6000 with a sophisticated 4K video camera\u2014means there\u2019s now a model on the market to fit almost any budget.<\/p>\n

So\u2026.your kid immediately flys the drone into your neighbors car as the wife is pulling into the driveway. She panics\u2026hits the gas and runs through the garage door, demolishing the husband\u2019s new Harley and breaking out her front teeth on the steering wheel\u2026\u2026<\/p>\n

Will my Homeowners Insurance Policy cover this loss? Yes it will\u2026as long as the definition of Aircraft reads similar to the following. Aircraft means any contrivance used or designed for flight except model or hobby aircraft not used or designed to carry people or cargo. Your Homeowners Policy language should be reviewed. Call us.<\/p>\n

Most drones have cameras. This is a big part of the fun. So, your son flies the drone with camera over the neighbor\u2019s backyard spying on the 17 year old daughter through her bedroom window. He then downloads photos of her in her underwear and puts them online. Her parents are now suing you and they have pictures of the drone outside her window. Sounds like an invasion of privacy claim.<\/p>\n

This claim will probably not be covered by the standard HO3 Homeowners Policy. There are various exclusions such as \u201cintentional acts\u201d, \u201ccriminal acts\u201d, \u201cvicarious liability\u201d that could apply. You will need to have a Personal Injury Liability endorsement added to the HO3 form in order to have any chance for coverage. As noted, while there are some variations from insurer to insurer, Personal Injury Liability Coverage extends to five basic categories of acts or conduct. These include:<\/p>\n

    \n
  1. false arrest, detention, or imprisonment:<\/li>\n
  2. libel, slander, defamation, or product disparagement;<\/li>\n
  3. malicious prosecution (which may include abuse of process);<\/li>\n
  4. wrongful eviction, wrongful entry, or violation of right of private occupancy; and,<\/li>\n
  5. invasion of or violation of right of privacy.<\/li>\n<\/ol>\n

    NOTE: Owners of consumer drones will have to begin registering with the U.S. government starting next week under a policy\u2026charge will be $5. Starting Dec. 21, 2015. Look for more regulations.<\/p>\n

    Call us for a full review of your present coverage and a quote for Personal Injury Liability coverage. Do not assume that you have it.<\/p>\n

    Call 239-265-9577<\/a> or email us at joshw@swflagency.com<\/a><\/p>\n

    Follow our Blog at SWFL Agency Blog<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

    2015 will be \u201ca defining year\u201d for small drones. The projected total U.S. sales of 700,000 units in will mark a 63% increase from 2014. The wide range of drone models available this Christmas\u2014from the $40 Protocol Neo-Drone Mini to a $3,000, 15-pound DJI T6000 with a sophisticated 4K video camera\u2014means there\u2019s now a model on the market to fit almost any budget. So\u2026.your kid immediately flys the drone into your neighbors car as the wife is pulling into the driveway. She panics\u2026hits the gas and runs through the garage door, demolishing the husband\u2019s new Harley and breaking out her front teeth on the steering wheel\u2026\u2026 Will my Homeowners Insurance Policy cover this loss? Yes it will\u2026as long as the definition of Aircraft reads similar to the following. Aircraft means any contrivance used or designed for flight except model or hobby aircraft not used or designed to carry people or cargo. Your Homeowners Policy language should be reviewed. Call us. Most drones have cameras. This is a big part of the fun. So, your son flies the drone with camera over the neighbor\u2019s backyard spying on the 17 year old daughter through her bedroom window. He then downloads photos of her in her underwear and puts them online. Her parents are now suing you and they have pictures of the drone outside her window. Sounds like an invasion of privacy claim. This claim will probably not be covered by the standard HO3 Homeowners Policy. There are various exclusions such as \u201cintentional acts\u201d, \u201ccriminal acts\u201d, \u201cvicarious liability\u201d that could apply. You will need to have a Personal Injury Liability endorsement added to the HO3 form in order to have any chance for coverage. As noted, while there are some variations from insurer to insurer, Personal Injury Liability Coverage extends to five basic categories of acts or conduct. These include: false arrest, detention, or imprisonment: libel, slander, defamation, or product disparagement; malicious prosecution (which may include abuse of process); wrongful eviction, wrongful entry, or violation of right of private occupancy; and, invasion of or violation of right of privacy. NOTE: Owners of consumer drones will have to begin registering with the U.S. government starting next week under a policy\u2026charge will be $5. Starting Dec. 21, 2015. Look for more regulations. Call us for a full review of your present coverage and a quote for Personal Injury Liability coverage. Do not assume that you have it. Call 239-265-9577 or email us at joshw@swflagency.com Follow our Blog at SWFL Agency Blog<\/p>\n","protected":false},"author":2,"featured_media":4837,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"2015 will be \u201ca defining year\u201d for small drones. 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