They don't insure UAVs per se which is where a lot of the confusion comes from for these agents. They cover camera equipment, which the Phantoms are considered, under their personal article policy
That's a problem with the turn-by-turn navigation software, not necessarily GPS on your phone. That being said, smartphone GPS isn't especially accurate. It's good enough to know you're on a particular road, but it relies heavily on cell tower locations and the names of WiFi networks to pinpoint...
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