My phone had never had a crack in it before and I put it out on my pool deck with no case with the screen down picked it up and the whole screens shattered, can not do anything on my phone because of the cracks. I swiped the screeen and it doesn't recognize me doing it... help!!!
Owners neglect is not a covered warranty. If you have supplement insurance from Asurian http://www.phoneclaim.com
However there is a deductible.
Some home owners or renters insurance policy cover damaged goods or stolen goods. But it may not be covered.
Glass is a conductor of heat and cold. That was taught to me in science class when I was a child many years ago.