I have a couple of thoughts. First, the personal property insurance is used for many other high value things besides drones. Jewelry, art, antiques, collectible guns, etc. Paying off an a few drones is not going to move the needle when almost everything else on these policies are hanging on a wall or sitting in a drawer and will only be claimed if stolen or burned in a fire.
Second, the insurance companies have unlimited freedom to drop you even without a claim. My autos were all with one company. I have never had any real big claims and we have been with the same company for over 25 years. I have had up to 6 cars (kids), motorcycle, quads, two homes, and an rv. They sent a letter to us dropping the rv after 10years. We had just put it u for sale so we didn’t care but we had fun messing with their minds that we were going to cancel every vehicles come and all real estate properties. We got a litttle discount as a result Lol. Don’t let any insurance company push you around.