i purchased a specific insurance policy just for my drone only cost me $60 for the year full replacement if crash it or someone steals it $0 deductible.
technically A mountain is a Tucson park, and you are not allowed to fly there, but if i launch from outside the park and i try to stay on the border or dont go in too far i think i should be fine.
i just got my MP on Friday and i dont think you will be disappointed if your goal is to have a quality piece of gear. if you are trying to have the newest shiniest piece of kit to impress your homies i'd stick with the MA and wait for the MP2.
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