Neary is $189 for one year. the only advantage is the cover water damage, however good luck retreiving your drone is it crashes into t a body f water. Note: Neary is basically a company out of a guys house in KY, Insurance like this is a calculated risk for the insurer. I know DJI will be around in a year you never know with a company like Neary where are damages cost them retail a flury of claims could potential put a 3rd party insurer out of business.
I lost my chroma 4k off the coast of key largo... in about 35 ft of water.. went back the next day with a free diver using the gps coords off of the transmitter of the last known position. Can you believe we found it right where it said? sitting in 35 ft of water right down there in the grass. She dove down and got it... trashed of course...