About insurance iPhone 4 s in Atlanta?

My iPhone 4S is broken, it's not working, I have insurance, I pay 10 $ for every month, let me know, what can I do that? How much must pay for give new iPhone 4 s,
Sorry my English in not good

You file a claim, send them the broken phone and your deductible(usually $100) and the will send you a refurbished phone. Call the insurance company for specific instructions.