Can anyone with experience share which carrier they are using and what kind of coverage you got at what cost for hobbyist and non-commercial use?

Droneinsurance is great.  I had a few times where I didn't fly and they refunded the coverage.  Took some time after doing some paper work but they do refund.

I've used SkyWatch. Has monthly plan option.

Hello and good day Wiz33. Thank you for reaching out and for the inquiry. I hope that you will get the best recommendation from our valued DJI co pilots with regards to this matter. In addition I would also recommended you to check the DJI Care Refresh for your DJI Drones. I will be posting a link where in you can find the overview and the frequently asked question for the DJI Care Refresh. Thank you and have a safe flight always.

https://www.dji.com/service/djic ... ndsite&from=nav