Under the homeowner section of a farm policy, under personal effects it states we do not cover aircraft or their parts. Does a camera drone qualify as an aircraft? It is used to fly over the crop fields and photograph crop conditions. It is remote control operated. The policy states:

2. Under coverage B we do not cover:

a. automobiles, aircraft or their parts;

Florida Subscriber

Looking at the ISO FP 00 90 10 94 (you may have a different form), this form excludes aircraft and aircraft parts and does not make any exceptions or allowances for particular types of craft. Merriam Webster Online defines "aircraft" as "a machine (such as an airplane or a helicopter) that flies through the air"; "drone" is defined as "an unmanned aircraft or ship guided by remote control or onboard computers." Therefore, drones are aircraft, and as such are excluded. There is no exception similar to the homeowners form; the homeowners policy has an exception for model or hobby aircraft not used or designed to carry people or cargo. If the insured had a homeowners policy and was not using the drone to deliver goods from one place to another, it could be covered.

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