I lost my iphone 5 and I have insurance, but how much is it to replace it?

I lost my my iphone 5 and I have insurance I pay 10 bucks extra a month. I'm just wondering how much I have to pay for a replacement it's a 16gb iphone. And if I do get my replacement does my insurance go up or what happens?

All fees are clearly stated in your contract.
You know.
That thing you were supposed to read BEFORE you signed it.

You will have to look at your deductible, but usually it's $200.It doesn't make your insurance go up - they send you a refurb, and that $200 is more than the cost of a refurb. They make money, every time you file a claim.