if you have a car insurance and you keep filing claims, how this will end up, either your insurance going up like crazy or the insurance company not accepting you as a customer anymore, so what are you expecting from the company insuring your phone, it's called Assurant by the way, you can't call them every month asking for a new phone lollllll
and expect them to keep treating you with a big smile
I believe you need a custom made phone, titanium or so