I have been using a cover like this for many many years. It’s solid and really protects of phone. I have dropped my phone many times and never had a problem. Easy to grip and won’t slide out if your hand like silicon does.
The case felt very protective and I didn't feel like my phone would snap in half if I dropped it at a reasonable distance (ex: a normal distance from me walking around and it falling on the ground and not something unreasonable like off a balcony of an apartment). Personally for me, it was very heavy and made my purse super heavy! If that doesn't bother you then it's probably fine.
I didn't buy the extra phone insurance because I have an Otter Box. I always buy a new case when I get a new phone and my phones have never been damaged.
This must be my 5th or 6th Otterbox purchase over the years. Brand loyalty comes from quality! Ease of installation, durability, dependability.....Otterbox provides it all. As a former Army Jumpmaster, I am NOT gentle with my phones. Otterbox has never failed me.
I've dropped my phone 3 times, since I installed the case. The phone is undamaged. What can I say? the Otter case is bullet proof. The best item I've ever bought.