What is the best insurance for electronics?

I accidentally broke my iPhone 5 screen.
While, I've been paying $10 each month for insurance coverage, the Ausrion insurance says I need to pay a deductible of $100 to get a replacement.

Wtf, thats HALF price of a new one. This isn't a replacement. It's buying a new one.

Yes, that is why you drop the Ausrion insurance after the phone depreciates enough that it makes no sense to have insurance coverage anymore.

It's ok… It took me a while to figure this out also.

  • Why is there such little memory in electronics? You would think by now there would be more than just a 16, 32 and 64gb option for most devices. Considering 64gb can fit into a small SD card why can't an iphone have a couple hundred gb of memory in it. Or an ipad as well. It doesn't make any sense.
  • Why do people call teenagers with electronics 'spoiled'? For example, there are teenagers out there that has a laptop or ipod/iphone and other teenagers, especially the poor ones, calls them spoiled. In my opinion they are just jealous because their family is too poor to afford any of those technology. But deep inside, i know they want it.
  • What is the best iPhone insurance? I'm going to buy an iPhone 4s and am trying to compare insurance providers before I invest in insurance.
  • What can I do instead of using electronics? Well my parents think I go on the laptop, ipad, iPhone way too much and I admit it also I'm a electronic addict if that makes sense anyway any ideas of what a teen girl could do instead of going on electronics and please give detail not like take up a sport say what sport is fun for teen girls or join a club say what club I should join anyway thanks for your time!