Technically, drones are small aircraft, and most home insurance policies exclude aircraft from coverage. Which, by extension, means that drones are excluded from most home insurance policies’ coverage.
That means you have no coverage if your drone is lost, stolen, or damaged. However, an even more important consideration is that you have no insurance for liability. If your drone damages someone else’s property, most home insurance policies will not cover the damage. Or, if the drone injures another person and you are sued for their injuries, your home insurance will not be able to assist you in any way.