Phone Insurance Versus Apple Care. Apple care does not cover a lost or stolen phone and it does not cover certain types of damage. They both are just assurant insurance policies so i’d bet the terms of both are very similar (both apple, and almost all carriers in the usa issue their insurance through partnership with assurant as the insurer).
Applecare and applecare+ for iphone offer screen repair damage for $29 per incident, and $99 per incident for all other damage. You should always take warranty issues to apple. Verizon total mobile protection at verizonwireless.com.