That nice lady either didn't know what she was talking about, or she was trying to upsale you to a home owners policy. This is a personal property policy and you don't have to have another policy with them. Check with another agent in your area.Speaking for myself, I called State Farms local agency regarding drone insurance and they had no idea. The nice lady did call me back after speaking with an adjuster to tell me that it could be added to my homeowners policy if I was insured by them. Not worth the bother for me.
Neary Aerial Media in Kentucky will insure my P3S against damage or crashes for $129 annually. They require recent flight data to rule out pre-existing damages. I did not ask about liability.
GW
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