Re: Verizon or Samsung warrenty
If you don't buy any insurance then Samsung is the official warrantor, however, Verizon will provide a warranty exchange within 1 year provided that it is active on your Verizon wireless line.
If you buy Verizon extended warranty, then you can use the extended warranty indefinitely so long as you pay for the extended warranty. Extended warranty covers manufacturers defects. There is no deductible for extended warranty.
Verizon offers insurance through asurion, and there is a deductible and claim limit for insurance claims (loss, theft, physical damage or water damage). The claim for insurance would be through asurion
There are third party insurance policies like square trade but keep in mind that most will not cover loss or theft. Something to keep in mind.
Best buy also offers an insurance policy, and if you buy theirs then you will have to go through best buy to get a replacement