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So what if your phone falls in the ocean or down a ditch?Phone insurance is a ripoff. I self-insure my phones by just keeping 2 phones. By the time you've paid the deductible and all those monthly fees over 2 years you might as well just bought another phone anyway.
I've never cracked a screen on a smartphone. The only glass screen I ever cracked was an iPad Nano. Usually put your phone in a good case and keep a dedicated phone pocket that you only put the phone in and nothing else and you're good.
Your backup method is no where near as secure as having iCloud
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