[SprintTouch08]

it will depend a lot on the situation. If youre near the end of your contract they will bend more to resign you. Insurance is different than warranty. warranty covers manufacturer's defects, like if something stops working without any abuse to the phone. For instance my 800w keypad just stopped working and theyre swapping me for a Diamond. Itll really depend what type of problem with the phone it is- stuff like white spots on the mogul, dark spots on the touch, keys stopping working, etc are technically warranty replacements. Broken stuff is insurance/TEP and way less likely to pull any deal if you did it yourself.

It will really depend on a lot of factors- how close to the end of your contract you are, if youve ever asked for swaps before (history does matter they look at it), whats actually wrong with the device, if you get a helpful rep, etc

Itll really depend on the situation and rep you deal with.