Single young people may not care but at my age with assets and a wife to protect, drone insurance is a smart move particularly in the increasingly litigious society in which we live. After some research, I'm going with Skywatch. You can buy-as-you-fly or go for a monthly plan. A 1-hour flight where I've often flown will cover me for $10 with a $1 million liability covering bodily injury, property damage, and invasion of privacy claims. You can use the app (available on both IOS and Android) to book ahead of a flight or sign up just before you launch the drone. If you fly more than 5-6 times a month, a monthly plan covers you everywhere in the U.S., is cheaper, with no restriction on number of flights and also optionally includes hull insurance for the drone (however you can only sign up for a monthly plan if you're 107 certified.) Rates comes down the safer you fly. If you fly commercially, you're taking a huge risk with no insurance.
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