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YDC: I cracked the screen on my phone today. I have insurance that covers it but it's still $175 to have it repaired.

It's also $175 to have it replaced if I'd lost it. How does that make sense? The insurance covers theft, loss and damage but it treats it all the same. There's no way it costs $175 to repair the screen.
I think I can do it myself and I don't care if it's waterproof. I replaced the headphone jack a couple of months ago with no trouble.
The phone works so there's no rush to fix it but I need it to look right so when I turn it in to get a new phone in a few months it won't be an issue.


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