On the Surface Holster, its fully covered. Also worth noting, lots of other shell and slim cases also work in the holster, although I prefer the Surface case anyway. The screen sits about 1-2mm from the screen. It's still pocketable. Btw, Best Buy sells the seido case combos for the S3 an S4 under their "PT" brand. I've owned both Seido and PT with previous phones, they are exactly the same. So, you could actually lay hands on the holster in the store. Also, they are usually only $30-35 in store. I know, crazy that something is cheaper in BB, but it is. worth noting, I've had wear on my screen protectors at the top where the phone clips in. It's from me pushing the phone in and letting the clip slide over the top. I can easily prevent that from happening.. but i dont
I dont think it would scratch your glass, unless there was dirt being pushed too.