Device 360 for apple is a rip off and pain

Ok so has anyone else had to deal with this much to replace a phone?? For the past 10-15 yrs through all different cell providers, I've still had assurant as the insurance in the past. It was nice and simple. You file a claim you pay the deductible. They send you a new phone you send yours back done not this time!!! So I went to file a claim and assurants web site through T-Mobile they tell me I'm eligible for AppleCare services ok something new (for me) so I get transferred to their site to file claims nothing worked like it was supposed to first I get told I have to pay full price for a replacement because it's so badly damaged so that's not right because why am I paying for this insurance if I have to pay all this money for a new phone anyways so then I start a chat with Apple and they told me I actually have applecare plus so they can do the replacement it's like 100 bucks I have an IPhone 13 Pro Max so he tells me there's gonna be two charges on my card. One is an authorization hold hold for the full replacement value of the phone and the second is the actual charge for the replacement so over $1000!!! Pay all that they mail you a new phone you sent back your old one and the authorization hold drops!!! OK what about people who don't have uh all that money to be held for days on end or just flat out don't have that much money so then they tell me the only other option is to go into an Apple store doesn't matter if you live near one or not you better figure it out!! in my case. The closest Apple store is an hour each way so it's not too bad, but this is my son's phone that he broke that he has to pay for. He's 17 he works almost full-time and goes to school. I have a life so we have to figure out when we're both available to be gone for a minimum of three hours, probably maybe longer!! Whatever we will get it done but the point is what if somebody doesn't drive and lives in a rural area or a smaller town Apple stores are only in big cities and they don't have that kind of money to be held?? I just feel like this is a lot of headache to be paying for every month. There's all these new insurance companies out here and honestly there's one that starts with an a they will cover your phone and up to 25 other personal items for less than I've been paying!! And you don't have to deal with the hassle of going anywhere. It's all done through the mail likes the way it used to be was just a deductible. I just feel like this is too much now expecting people to put down that kind of money or find a way to go to an Apple store, so in my case Assurant and T-Mobile lost a customer for their insurance that's a very big chunk of change considering that it's me and four of my children that all have phones!! I might have stayed if it was the way it used to be but not with all of these problems. I'm glad I looked into other alternative choices. Not to mention the person I was talking to with Apple said that I could get AppleCare plus directly through them for cheaper than through assurant or T-Mobile!! so I found a company I like the better because they cover other stuff but otherwise you're better off to just get AppleCare plus it's way cheaper I guess I want to say about seven or eight dollars a month. I might be off a few dollars but it's way cheaper than insurance through T-Mobile and they cover pretty much the same stuff!! Sorry for my super long rant, but hopefully it save some people some money to get the hell away from what their pitching!!