Geek Squad covers your phone no matter what happens to it. Geek Squad allows you to send your phone in for broken screens, the sound isn't working properly, the callers can't hear you because the speaker on your phone is bad, if you drop it in water...whatever the reason, Geek Squad will replace your phone. I am not sure if they have different types of coverage/plans but from my experience, they have allowed me to exchange my phone for another one.