Take a look at Square Trade. (
https://forums.androidcentral.com/e...rade.com%2Fsmartphone-warranty&token=zB5QTSpt) They are comparable to all carrier plans but cheaper and has lower deductible. They also cover things most carrier plans don't, like cracked screens. In my opinion that are a better view than carrier plans. I have used them on plenty of devices other than smartphones. You should be able to switch to them now if you just bought the bought the phone withing 30 days or currently on a carrier plan.
Might be closer to what you may be looking for.
Good Luck!