I think I can answer the insurance portion of your question.
Are you insuring this as part of your business? (a commercial flyer?) or as part of a personal articles rider? (if SF insures recreational drones, that's a surprise to me... seeing that they don't insure other things that tend to get broken a lot.. like cell phones).
In any case, if they are insuring drone(s) for you, you just need to go on ebay or Amazon and find a few examples of the "fair market value" of the setup. I usually use "completed" listings where similar items sold, or the price that item is selling for used on Amazon in similar condition. That's the actual value you're insuring... what a willing buyer would pay for it. I do this with my DSLR camera gear.
Don't insure the 'new retail' value, because if something happens to it, SF is still only obligated to replace it with similar (used), NOT buy you a new one. They'll take the fee for the higher number, but only give you the value of replacing used, or actually find one to get for you.