You're lucky. My wife has actually lost a phone before, and she cracks the screen on EVERY device she gets. With her it's not if her phone is gonna need insurance, it's when lol. So it works out for me.
(knock on wood)
we ALWAYS put tempered glass screen protectors on our phones and tablets. over the last several years, we have never had a cracked screen, despite the numerous drops. Several of the tempered glass screen protectors have cracked, but that's what they're meant to do, right? On the S5, it has gone through 12 cracked screen protectors. (but the original rugged Otterbox Defender-type case is still in perfect condition, as is the S5 inside)