Summary: Over the past few years drones have become wildly popular among individuals and businesses alike. They present new liability issues for all concerned, and many are concerned about such issues. Traditionally the homeowners policy has had an exception for model or hobby aircraft. With the popularity of drones, ISO has created Aircraft Liability Definition Revised to Remove Exception for Model or Hobby Aircraft, HO 34 02 02 17, to allow carriers to remove the exception for drones and similar aircraft. This endorsement is effective for use in February 2017 and is effective in the following states from March through May.

Another endorsement, Personal Injury for Aircraft Liability Excluded, HO 34 03 is similar in nature in that when the personal injury endorsement is added to a homeowners policy, this endorsement can be added as well in order to exclude liability for personal injury caused by unmanned aircraft. Effective dates are broken down similar to the HO 34 02, although the states are not exactly the same.