just a data point for Aspire. I pay my T-Mobile bill with Aspire and the 4 of us have iPhone 16.
My son cracked the screen on his phone, so we took it to the Apple Store and had it repaired. The screen replacement cost about $320. I kept the receipt and photos of the damage, then filed a claim with Amex. They reimbursed me for the repair, minus the $50 deductible.
If you pay your wireless bill with the Hilton Honors Amex Aspire, it automatically includes free cell phone coverage for every line on that bill. It covers theft and damage, up to $800 per claim with a $50 deductible, and you can file up to two claims in a 12-month period. Loss isn’t covered, and you need to have paid the prior month’s bill with the Aspire card.