When they start falling out of the sky landing on people or moving vehicles, then what? Things do go wrong occasionally, but if there's 100000 of them flying around at once, it's going to be more than occasionally.
AMA is $78 a year with up to 2 million in coverage, not sure if it is just for recreational flyers or not. Also has theft insurance with 500 deductable.
Did your realsense come with your H? I bought one aftermarket and soon after started getting those compass errors at different sites with little to no control. After I removed the realsense, never happened again.