Home Owners Insurance!!!!!!!
My home owners insurance came up for renewal so when I received the policy I read it over. Under exclusions they specificly mention model airplanes. Looking up last years policy this is new as is the wording for the whole section under exclusions.
Just a heads up for those whose home insurance has come up for renewal. Read the actual policy where it spells out specifically what is excluded. I have had insurance with the same company for years and even had a claim involving my RC planes that were in the van at the time. I never had a concern before but this year while I was looking through the exclusions I found new wording that excluded motorized conveyances that traveled in excess of 8 km per hour, such as lawnmowers, ebikes, kids riding toys, also included were hobbies and toys that exceeded 8 km per hour and it mentioned model aircraft specifically. I contacted my agent and we are working on getting my models included for loss only. I have had to write a letter stating I was only interested in coverage for loss such as fire and theft and I had specific liability coverage when I was using them. They also wanted to know if I expected coverage for loss of the model in the event of an incident while I was flying it. The answer of course was no but yes if I was transporting my models to and from the field inside my vehicle or trailer. I provided a copy of the MAAC insurance certificate from the MAAC web site and a photocopy of my yearly membership showing I am a member in good standing.
They also wanted to know if I made money with my hobby and if I was paid or would win prize money in any of the events/contests I have or will attend.
Apparently they have become very concerned with the liability of anything that can travel in access of 8 kms per hour if itís not covered under a specific policy. Ebikes were mentioned as an example.
To those flying outside the AMA/MAAC umbrella and if you are depending on your house policy for your insurance you might want to check the new policy to see if the hobby has been excluded. For those members within AMA/MAAC itís a general exclusion so at this time as my agent interprets it my stuff would not be covered in case of loss from fire or theft. It does not mention anything about modeling support equipment like chargers, radios, batteries etc. just model airplanes so the support equipment would be covered as itís not specifically excluded.
Like I said this is the first time I noticed this it might be only the odd insurance company. Keep an eye on yours for changes. Be proactive donít wait until you need it to find out you do not have coverage.