To help you answer Customer inquiries and provide guidance, rest assured ERIE has historically provided property and liability coverage to homeowners flying model airplanes through an exception to the aircraft definition in the policy jacket. SinceERIE considers a drone to be a model airplane, a Customer operating a recreational drone is afforded protection. Our personal catastrophe liability (PCL) policy alsoextends excess liability protection for model airplanes (aka drones).
Please keep in mind that Bodily injury, property damage or personal injury arising out of business pursuits of anyone we protect is excluded by policy language; so commercial use of a drone (photography business, surveying, etc.) would not be covered under personal insurance.