It must be that some are pressure sensitive. I'm all about not dropping my phone, so whenever I do drop it, I turn into the Flash trying to catch it, which usually results in me smacking it about 10 feet further. No cracked screen and that's happened about 3 times. Might be the way their landing.
As for insurance, they must have changed it. Did mine in December at
www.phoneclaim.com/sprint and had no problems. Took a few weeks to get it because it was on backorder, but thankfully, I had a backup. Oh, and if you do an insurance claim within the first 30 days, red lights go up everywhere. This being because if you "lose" your phone...notice the quotes, and it's within your first 30 days, you file a claim, get a second phone, put it on the account, go back to the store, say you don't want the service and cancel it with no termination because you're in your first 30 days. Look at that...free phone. BTW, I hope no one does this....it's insurance fraud, and that's bad. Free phone is not worth a fine/jail time.