There are a number of owners of the Inspire and Phantoms as well as other brands that fly these things without having a thought about insurance. If these things, especially an Inspire1 or bigger machine, hits someone and seriously injures him/her or kills them, you could be sued from here to eternity. That could mean your life's savings, your house, car, saving,s accounts, inheritance etc. Why take that chance? These things can do a "fly Away" at any time and if you have no control and it crashes, you need know what lies ahead. Take out insurance for heaven's sake, even if you are a hobbyist. It's just not worth it to not have it. Would you drive your car without insurance? Unfortunately, most household insurance companies will not offer coverage for a drone so you will have to go to aviation insurance, which I did. I got 2 Million dollars liability for $1200.00 a year and $450.00 for damage or theft to my bird. This way, I'm covered for a replacement to my Inspire if it crashes. Good piece of mind. Anyone who does NOT have insurance is playing with fire! Go get insurance, if not for your sake, then the sake of the person or persons you might injure with a crash, whether your fault or not.