Cell phone insurance

What, if anything, do you guys use for phone insurance?

Maybe a better deal out there, but I have a Wells Fargo autograph credit card that gives 3% back on my cell bill and provides free insurance up to $600 (each claim) for two claims a year on any phones on the plan I pay with the credit card. $25 dollar deductible. No Annual fee.

I've used it twice since I got it. Once for my son breaking his screen last year and just this year due to my 4 year old phone USB charging port wearing out.

Submitting a claim is a little bit of a pain as you have to take it to a repair place and get a diagnosis and detailed estimate to fix and an estimate to replace. Then include a screenshot/pdf printout to show...

1. You paid the last cell bill with the credit card.
2. That specific model phone is tied to your cell account.

Was pretty easy to do with the second claim since I had done it before and knew exactly what all they wanted.

Anyway, maybe something better out there, but for free I think it's a pretty sweet deal. It also has some other decent cash back % on travel, certain streaming services, etc. There are some other cards that offer it as well or close to it like chase freedom flex.

They did pay me both times pretty quickly once I submitted what they wanted with no issues and paid me over what the phone was worth at the time according to several places I could have purchased it from.