I also did the State Farm for $70 in Atlanta GA and it will cover up to 4 drones at $1500 each for any kind of replacement - even if lost. However many claims will cancel you eventually. DJI Care may be a good idea for the first year which will be heavy on the crashes without a cancelation - then switch to State Farm for your "squadron" from that point onward when your crashing frequency has been reduced. Insurance of any kind allows you to have more fun and take more chances - which is the creative part of the hobby.