I made a cell phone purchase in december for my son for christmas, the lady who helped me asked if i would like to purchase the replacement plan for the phone and explained that it would cover any damages to the phone. I asked to be sure i understood correctly again she assured that it would cover any damages even if it was his fault. When the phone was damaged due to him dropping it on the road the company said they would not honor the replacement plan that it only covered damages due to manufacture fault.