If I swap to purchase replacement iPhone at Apple Store for damaged phone, do I get refurbished iPhone or a brand new one?

If I swap to purchase replacement iPhone at Apple Store for damaged phone, do I get refurbished iPhone or a brand new one? - 1

Most phones that are provided through the insurance program are refurbished, not new.

If the damage is something covered by the warranty, then you should get a brand new device as the replacement, otherwise it's a refurbished device