SquareTrade warranty vs Verizon s insurance?

Which is better? Wanting to get the new iPhone, and definitely need a insurance plan, but hesitant to shell out over $200 for Verizon's. I've seen good things about SquareTrade, but I'm a little leery of 3rd party warranties. Anyone deal with ST before or know of a better one?

Verizon's insurance is ALSO a 3rd party company
Verizon goes through Asurion for their exteneded protection program.

  • Will verizon fix my cracked screen if i have insurance? Okay well I got an iPhone 5C in January specifically to not crack it, i got a case that wasn't cheap and boom it cracked a bit. It's been getting worse and even a piece of glass fell out and this panics me because this is how my last phone broke… the insurance i have for verizon costs me $9.99 monthly, i'm not sure which it is but will it fix my cracked screen?
  • Will my Verizon insurance fixed my cracked iPhone 5c? A couple days ago I dropped my iPhone 5c I asked around and to have the screen fixed it will be about 130 I have insurance on it will Verizon fix it for me since it's has physical damage?
  • Verizon iPhone 5 monthly insurance? I have the $10 monthly insurance on my iphone 5. What does that protect me from? If I broke my screen would they replace it?
  • Verizon Insurance Deductible? I have been paying a $10 fee every month for insurance on my white iPhone 4. I dropped it in water today and took it to the store and the employee gave me information to go home and make my claim online. But they are charging a $169 deductible. Do I have to pay that? Is it refundable? I have been paying the $10 a month so I do not see why I have to pay for a new phone