Drone insurance is separate from DJI Care Refresh. Care Refresh covers the drone itself. Drone insurance covers third-party liability: if your drone injures someone or damages property, your liability exposure without insurance is significant.
Recreational pilot insurance
The Academy of Model Aeronautics (AMA) offers liability coverage to members for $75/year as part of their membership. This covers recreational flying under AMA guidelines. Some homeowner's insurance policies also cover drone liability up to policy limits, but you should verify this explicitly with your insurer.
Commercial pilot insurance
Part 107 commercial pilots typically need dedicated drone liability insurance. Policies from insurers like Volare, BWI Fly, and SkyWatch cost $500-$1,500 per year for $1 million in liability coverage. Some clients and venues require $2 million in coverage for professional jobs. Hourly insurance through apps like SkyWatch AI costs $10-$25 per flight for occasional commercial pilots.
Hull coverage
Hull insurance covers physical damage to the drone beyond what Care Refresh provides. For drones costing over $1,000, hull coverage is worth evaluating if you fly frequently in challenging conditions. Annual premiums run 10-15% of the drone's value.
Tip: For Part 107 pilots just starting out, hourly insurance through SkyWatch AI is the lowest-cost entry point. Pay per flight until you have enough commercial work to justify an annual policy. Hourly coverage is not cheaper if you fly more than 30-40 hours per year, at which point annual policies become more economical.