2 weeks ago I dropped my phone in the tub and had to go through the dreaded Asurian insurance for a replacement.
Less than 5 minutes on their web site and I was done with my claim. An hour later, I received an email that they shipped my replacement (brand new) phone?????
What are the odds itbeing that easy and hassle free?
Today I dropped my phone and shattered the screen.... 
Again to the web site and 5 minutes of my time. I get an email about an hour later that the device has shipped...
I have had this insurance on my phone for several years and never used it... I am shocked at how simple they make it.
I just hope I don't drop it again. I cant imagine them being as responsive a 3rd time.