I am going to insure it for sure and I will get public liability one. This is just a "must have" thing.
The only problem you do not know how long it will take for the insurance company to pay for a crashed drone and until it happens you have no idea how long they will drag you asking all questions before they agree to pay. I have been told it is about $1500/year which is quite a lot but if you pay it monthly may be not that noticeable for your budget.
I am sure if I had gone with the thermal setup totaling $15000 and more it would have been much more than just $1500/year.
The only problem you do not know how long it will take for the insurance company to pay for a crashed drone and until it happens you have no idea how long they will drag you asking all questions before they agree to pay. I have been told it is about $1500/year which is quite a lot but if you pay it monthly may be not that noticeable for your budget.
I am sure if I had gone with the thermal setup totaling $15000 and more it would have been much more than just $1500/year.