crash insurance

Hi :) I haven't bought my first drone yet but I'm checking my options. I want to buy Mini 2. Things that I am (at this point) most affraid of are crashes :) My question is - which is easier and better to have in case of crashes? The cheapest insurance for recreational flights I found for 57...

I had a May-day and ran out of battery fighting winds and couldn’t land. It was either drone was going to go down in the ocean, or I had to go high and throttle towards land. I chose the latter. Drone ran out of juice and went into the side of the mountain. I broke a few propellers. Everything...