I purchased phone insurance (device) when I bought a new phone. It was my first time ever doing so, and I was blown away by the positive experience with Assurant. I dropped my phone and it broke. I called Assurant and they promised to have a refurbished phone to me soon. They then followed up to let me know they no longer had that model available, and would instead provide me a check for the market value. I was prepared for them to quote a low value but was pleasantly surprised. Unfortunately my dog got to the check & destroyed it, then I procrastinated horribly. I called them months later to have a new check issued and they did so, despite the delay. Their service was excellent and completely not what I'd expect from an insurance company.