@#$$% Anyone else paying insurance should check into this
Seems there is a lot of missing information in your post. Asurion is the insurance company Verizon and most ever carrier uses. There are many ways you can void your coverage. Like replacing your phone with a spare before you submit a claim. Swapping phones to uncovered/different lines. In general, if you don't do anything unusual, and follow protocol, your phone is covered. So what did you leave out of your post that might be relevant?