First, I pointed out that I have a Droid. Not an Apple. But yes, I have insurance on the phone such that if I threw it against the wall, I can get it replaced immediately.. face to face.. at any VERIZON store. I got it replaced. That's covered. I don't know why you keep saying Google when the handset it sold by Verizon and that IS the whole point of their insurance (in case it's lost/stolen or damaged).