I may be on an island here, but I haven't carried phone insurance since ~the LG G4/G5ish days. When I stopped and thought about it, it made no sense to be sending $15+ a month into some entity when vast majority of the time you typically don't even have a need to engage it. So instead, I used the ease of initiation/use Capital One 360 savings accounts I was already using, and just created an extra one and started auto-depositing $15/month into that instead. That combined with the aforementioned Unicorn Beetle Pro cases I've used for years now which make my phone(s) almost impervious to drops anyway, and I really have no worries - plus the added benefit of having that cash nest egg that can be used elsewhere if say an emergency situation came up.
Bottom line, if you're paying for phone insurance, you're paying out money you'll likely never see again, whereas controlling it on your own end gives you the flexibility to still have the coverage you need in principle but also be able to use the surplus now and then for other things.