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You keep using the word insurance. Do you pay extra for insurance from Asurian or is your iPhone being replaced under the manufacturer warranty ? This second option is not insurance so you would have to contact Asurian directly. With this insurance there is a paid premium each month on your cell invoice, you have to pay a deductible to get your replacement device which can run up to $200
Verizon cannot assist you at the store under insurance, only manufacturers warranty and they can give you the phone number and web site address to start your claim process.
In the future get your iPhone insurance through Apple Care, its only $99 for the two years and you just walk into the Apple Store near you and get service.
Good Luck