I would consider Verizon's extended warranty which isn't very expensive and is for the life of the phone as long as you pay the subscription fee. It's not the full on accident insurance but I always keep phones cased and never had any accidental damages. If you've had a similar history, then that's my suggestion. If you're clumsy, then I would seek out accidental insurance.
"Smartphone" - Google News
February 27, 2020 at 08:31PM
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Do you buy insurance for your smartphone? - Android Central
"Smartphone" - Google News
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