Beware: in Quebec (probably all of Canada I would surmise), most personal liability insurance policies included in one's Home Insurance have a specific EXCLUSION for drones. Therefore, a separate and distinct insurance policy should (and must...
I get $2,000 of drone insurance (similar to auto comprehensive) thru State Farm for $75/yr, which covers recreational flying only. For this reason, I let my Part 107 license lapse. I have liability coverage thru my USAA homeowners package...