Assurant Insurance Complaint

I have been a T-Mobile customer over 10 years and I hate their insurance company. They come with every excuse not to fix your phone. But once they money every month I feel like they need to change the system or their insurance company and we pay our money every month I feel like we should get our service on time when it comes to if our phone is broken or damaged we pay monthly why does it take so long? Should we stop our insurance money until our phone is fixed but then it's something was to happen we're out of luck. 10 years of putting money in T-Mobile and this lousy insurance company is terrible. It's making T-Mobile look really bad.