I was paying for n iPhone 6 plus monthly but my data got cut off, I had insurance on it, now its destroyed n I owe all this money

I since it is cut off and I owe money for the entire phone but had insurance on it, after I pay the total balance could I get a replacement for 100.00 as if I still had service?

For that you will need to contact the company that handles the cell phone insurance that you paid for. IF your monthly payment for the phone included the insurance payment as well, the day you stopped paying for the phone, the bill and your insurance, is the day you lost your insurance. So unless you paid a lump sum of money UPFRONT to pay for the insurance for the entire year (like you would for say AppleCare Plus or SquareTrade), you lost your insurance when you stopped paying.