I choose to not carry insurance for my phones. I have yet to break one since my first smartphone purchase in 2009. The extent of my knowledge about the phone insurance policy is where to find the phone claim website and how to decline in whenever I purchase a new phone.

If the site is searchable, I would suggest looking for keywords like replacement or similar wording to locate the various sections of the agreement and terms.  When you have found those words, you can read that particular clause and the surrounding sections to process it mentally in smaller chunks instead of the entire document at once. That's what do if I'm looking for a specific topic in the various agreements I occasionally have to reference through my job.