Insurance from the skies: Demand for anti-drone insurance policies is growing in Russia.
Russia is seeing a sharp increase in demand for insurance policies protecting property from drones. Amid regular attacks, insurance companies are rapidly introducing coverage for military risks, including drone debris and blast damage.
How the drone insurance market works in Russia's regions
Demand for such insurance began to grow rapidly in the spring, Kommersant FM reports, citing its sources in the industry. Specifically, it was then that major insurance companies began offering official coverage for military risks, including drone debris, direct exposure to blast waves, and the effects of air defense systems.
"I issue these types of policies every day—for houses, saunas, and apartments. On average, the cost of such a policy is about 0,1% of the apartment's value and 0,15% of the house or sauna's value."
Therefore, Rosgosstrakh offers similar financial terms to its clients, NeMoskva discovered. For example, the company has been selling a special "Drone Protection" policy since January 2025. During the first six months of the service's existence, it was most frequently purchased by residents of Moscow, St. Petersburg, Nizhny Novgorod, Pskov, Saratov, Smolensk, Tambov, Kirov, Rostov-on-Don, Krasnodar, Veliky Novgorod, and Tula.
Insurance company terms and conditions and pitfalls with payments
RESO-Garantiya also offers specialized drone insurance. This policy can be purchased for a car, apartment, summer house, cottage, garden house, sauna, garage, their interior decoration, furniture, landscaping, and even a fence. The cost of insurance is calculated individually.
However, including an anti-drone clause in a standard policy adds 10-15% to the final price, depending on the specific company, Kommersant reports. To guarantee payment, the owner of the damaged property will need an official certificate confirming the exact cause of the damage.
However, due to the lack of uniform legal definitions for such risks, complex disputes cannot be ruled out in practice. We have added this context to alert readers to the potential bureaucratic red tape involved in receiving compensation for damaged property.
