With sprints insurance plans, I know there are 2 plans one is around $4. And the other is $7. A month I have the have been paying the higher amount for years. The question I have is what is covered on the phones, I have read threads where someone will say water damage I not covered and others will say it is, and I have read where someone will make a claim online and they send them another phone without a charge. So what constitutes a chargeable claim and what kind of damage or defect would you have not to be charged the $100. Replacement fee?