I see this come up in some of the drone forums I visit... Specifically State Farm. They issue a personal articles policy (PAP) for $60/yr that covers items up to $5000. Everyone gets so excited about this policy because it seems too good to be true.
What most people don't realize is that there is a risk rating reporting system that works just like Expirian/TransUnion/Equifax credit agencies. It's called ChoicePoint and is run by LexisNexis. Unlike the credit bureaus, CP is only accessible to insurance companies and their underwriters. You have no ability to review your report, and they can be riddled with errors.
For example, on a recent renewal, I was informed that I didn't qualify for the lowest rate because of an incident on my risk rating. When I inquired with my agent, she covertly provided me with a copy of the CP report, with a stern warning that I not disclose that I viewed it. Turns out, my father had an accident in his driveway earlier that year, and because it was listed as my previous address, it increased my risk! She was able to get it rectified.
In any case, ANYTIME you file a claim - it doesn't matter if you were at-fault, or if it's a comprehensive event (theft/vandalism/hit & run), that incident gets registered in your CP record. If you remain with your existing carrier through your renewal, and you have a long, established history with them, it may not affect your premiums. However, if you shop around at renewal (something I do every year), then a new carrier won't have any loyalty or first-hand experience with your history - and they will rely entirely on the CP report - and you will no longer qualify for best rates.
This happens over a $500 PAP (drone) claim, or a totaled vehicle. The claim is an incident. While a higher claim payout will result in more significant risk penalties, even a relatively minor comprehensive claim (like having a free windshield replacement in FL) increases your risk rating.
Point is, there is no free lunch.