what does insurance cover
Smartphones
so you i have to pay for a replacement and i have insurance
what does the insurance cover
Have you read your insurance policy for you phone?
@LawrenceThomas wrote: so you i have to pay for a replacement and i have insurance
Verizon is not the insurance provider, they just make it easier to get a replacement and pay premiums. https://www.phoneclaim.com/verizon/You need your Verizon credentials so they can verify coverage