Here's the deal with that. Ask the people that had their policies cancelled what they had on their personal articles policy and I'd bet dollars to donuts that they will say "just the drone". So if they crash their drone and it was the only thing on the policy of course the policy is cancelled because there's nothing left to insure. Like you I have many things on my Personal articles policy. When I made a claim for a crashed
P4P they didn't ask any questions, they didn't ask for the broken drone, and they didn't cancel my policy. In fact, the adjuster asked me "If you decide to use the money to replace your drone with a new one, would you like for us to add it to your existing policy, no extra charge?" And that's exactly what I did. State Farm is awesome.