i get handy all the time i used to always fix my own phones laptops and desktops, im an engineering major and i work with electric and gas rc cars as a hobby, i also buy and sell cars and do all kinds of mechanic cosmetic and body work on them by hand. i had a ballistic case on my s3 and while working on a car i dropped it and it land face first on a bolt which shattered the screen, i thought no big deal blow dryer should do the trick.i spent 2 hours, shards and dust of glass got everywhere even tho i had my dyson suckin up on the other end of the blow dryer. some of the shards wouldnt come off and i scratched the digitizer underneath eventually, besides the digitizer stopped working properly frok the time i dropped it. ya maybe a simple crack is fixable but when its shattered amd the digitizer isnt functioning well there is no hope. not to mention water damage or loss. my insurance replacement came the next day i ordered it.
5 a month isnt taking money from you its offering you peace of mind and saving u 550 or even 250 for a screen replacement for a $150 deductible. i love it and its one of the few insurance services that offer loss protection. much respect to metro and asurion ill never get a phone without insurance