DJI care questions

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i noticed the DJI care program does not cover water damage. So if the copter crashes for whatever reason from a glitch in a firmware update to pilot error it better be on land correct? Is there an insurance program that covers water damage? I'm planning on buying a phantom 4 for used extensively over water so this is a big concern.
 
I don't know the answer to your question.

You may get a better response in this sub-forum populated with people who might be able to help:

Phantom 4 Discussion
 

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