There's a good chance you’ve dropped your phone and shattered the screen. It happens to the best of us. However, in most cases it’s not covered under the manufacturer’s standard warranty.

Most phones, laptops, and other electronic devices come with a standard warranty that only covers manufacturer defects. With new phones exceeding $1,000, your smartphone has become an investment and it’s reasonable to consider additional protection.

That’s where mobile phone insurance comes in. It covers slips, accidents, and even those didn’t-mean-to moments your warranty doesn’t, including cracked screens, liquid damage, theft and, yes, drops.