Problem with Insurance coverage replacement

I recieved a replacement device due to an insurance claim over a cracked screen. The current cracked device kind of works for practical uses and I'm happy for that. Received replacement device today. Was excited to send the cracked one back and be good to go. However the new device quickly showed issues. It is a little choppy when responding to touch. Also I noticed it doesn't connect to wifi or tmobile server as strongly as my cracked device. I'm sure i was sent a refurbished device. However for it to overheat so quickly was suprising.  My cracked device runs better. Not satisfied with the insurance I pay monthly. How can u handle an insurance claim by issuing a defective device? Sure the reps are nice, but what kind of service are we paying for when we get insurance? Might as well purchase device and insurance elsewhere