I'm going to give you the best advice ever.
Use the button to the right of the space bar or if you are using an iPhone, hit "123" button and then the button just to the upper left of the keyboard.
Drone insurance is only good in a couple of ways. The 399 DJI care is I guess piece of mind but you are already putting yourself at $400 worth of repairs and if you lose it, not sure they will send you another. I think you need to give them something and a lot of crashes to have a returned bird.
The best thing you can do is get an addendum to your renter or home owner insurance (or get some, it's like 200 a year and covers floods and if your TV gets an electric blow out) but usually has a deductible of 250 or 500 but you can get addendums and pay like $50 a year to cover a single item with no deductible and if you can do it, and that's a big "if" because a lot of insurance companies are not wanting to do this anymore (I.e. I did it on one of my P4s and they wouldn't let me by the time I got my second). But on one of them and really it doesn't matter which because they don't take serials and stuff like DJI care. They just need like a picture or a written description.
THATS the way to get insurance for a drone. DJI care is a fair idea but the MAJORITY of places that sell only drone insurance, avoid like the plague. They are known to be fraudulent, half the time not even having underwriting which is what makes insurance work. If they have to pay out with their own money, they won't last or won't pay out.
Do the research. There is one or two places that are only drone related that are good but that's if you own a fleet or a 10k drone.
Just learn how to fly, I agree a toy drone like the Syma ones are a great way to learn. It's great that these wonderful, better than us people are here to tell you how crappy it is to make poor old Apple or poor DJI, yet they have no problem making you feel even crappier after crashing your bird.
You do the math.