You might have to disclose: I broke X phones in the last 12 months, but most likely the insurance already knows really well how often a phone screen breaks and

You might have to disclose: I broke X phones in the last 12 months, but most likely the insurance already knows really well how often a phone screen breaks and you're not that special. I think those kinds of insurance calculate with "when" instead of "if". So if I pay $10 a month for phone-screen insurance, it costs $100 to replace it (after X months) and the screen breaks on average after 20 months, the insurance has a nice profit.