Many of us on these forums have been saying insuring your phone thru Asurion is a rip-off for years, yet many seem to continue using them.
The fact you will receive a refurbished unit for a phone claim has not been hidden and is clearly stated in the plan.
This is the first I have ever heard of Asurion sending someone to your house(same-day) to fix a Samsung screen for $29.
That Asurion is a scam and you should simply go to Apple to fix your device is something that myself and many others on these forums have been telling people for years.
Asurion gets away with it because people continue to sign up for it.