1. Where do you live?
2. What kind of insurance do you want?
3. Do you have a home owners policy, or renters ploicy?
4. Try Google "Drone Insurance" to get answers specific to you location and local regulations.
If you're flying commercially in the UK, you will have to get appropriate insurance. If you're a hobbyist, join the BMFA - £25 a year provides you with excellent cover