Apple doesn't replace screens for free. They offer AppleCare + for $99 within the first 30 days (and the phone can't already be broken or water damaged) then they used to charge $49 deductible and now it's a $79 deductible. Apple only replaces factor defects for free.
Since applecare + was introduced around 2 years ago, they do not replace screens free. There is always an exception to the rule here and there, but that is rare and requires some special circumstances.
Also, If you break the screen of an iPhone 5, 5C, or 5S is costs in the area of $250+/- to replace without applecare +
Call any apple store and ask.
When you get insurance thru the carrier, you have a 1-800 number you call, it's an outside insurance company. You pay $200 deductible and they will send you a phone with no back and no battery. You put your back and battery on the new phone and then you put the broken phone in the box and mail it back within 10 days.
If you go over 10 days they hit your credit card for full retail price.