Are there any written exclusions on your SF policy?.... am thinking of looking into some similar insurance.
P.S. Agree with you 100%... much if not all of the posters expressing discontent about the S2 haven't even taken the time to read and/or heed warnings in the Skydio 2 manuals.
I haven’t read my SF PAP (Personal Articles Policy) for some time regarding exclusions. I just remember that there is no exclusion in it regarding damage/loss from flying. It seems crazy that any insurance company would insure consumer drones from flying crashes. I figured SF would have gotten tons of claims and made the corp decision to cancel policies for consumer drones,.... but hey, I still have mine in place.
i am pretty methodical with my drones (insurance or not, no one wants to crash a drone); start out cautiously and build up expertise. With my Mavic Pro I made modified hand-grab legs and eventually got the point of highly reliable boat launch/landings for many of my flights. With my Staaker I started testing in an open field and discovered I had a faulty GPS unit in the drone (It would loose gps signal and just start landing). I documented everything, sent it back, and got them to replace it. Had I started flying over water right away, I would have lost it, with no proof of a faulty gps.
I see these Skydio 2 posts of owners screaming about crashes and false advertising after just a few flights. These people just don’t get it. No such thing a fool-proof drone. You need to learn it’s limitations in a controlled environment, adapt to those limitations, and slowly build your way up to more aggressive flying. Even then be prepared to lose it any time. My worthless 2C