I cracked my iPhone what are my options?

Hey I just recently got this refurbished iPhone last week from asurion because I cracked my last phone. My mom said that my insurance on the phone made me have to get a refurbished phone from them instead of just being able to replace the screen. The phone I just got last week still works, just the screen is cracked. I heard that the apple store can replace the screen very cheap if you bring it in to them. I don't know if they require you to go through your insurance policy on the phone for that option or not. I just don't know what I am allowed to do.

Some Apple stores can replace the screen, contact your local store to see if they offer this option.  If they do, it's $149US for a screen replacement.
Apple does not offer insurance, contact whomever provides the insurance for other options.
Depending on what has been done to this device, meaning if it was "refurbished" from the insurance provider, Apple may not touch it.
Also, be more careful with your devices, put it in a case and stop dropping it. 

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