Insurance (used phone)

[chevyhighrider]

Allright maybe I can get a clear answer in here about this. I purchased a used phone from EBAY and am wondering if my current verizon insurance will cover it once the phone is activated. I subtly asked one of the techs at Verizon and was told that the insurance is only good for the phone last purchased FROM THEM. But I am curious if the rules might be a little looser than that, since he (just doing his job) had to give me a text book answer. Also with everyone on here modding the heck out of their phones doesn't that void your chance of an insurance claim?