I just got a personal policy from State Farm for my P3P yesterday. < $100/year, $0 deductible. The personal policy covers drone replacement for everything but "mechanical failure", which granted, is a vague enough term to be bent fairly broadly. But pilot error is explicitly covered. Additional liability is also included although I don't recall the amount.
My homeowners policy covers injury and property damage liability up to $500k and also the drone if it is lost because of theft, fire, etc. There's a $1k deductible on that, so I'd never use it for drone loss.
