Your smartphone is with you every day, and it lives a dangerous life: sidewalks, bathrooms, ski slopes, kids' hands. Good protection is not a single measure but a system of four layers. Here is how to build it, from the cheapest to the most comprehensive protection.
The case is the single most important protective measure, provided it brings two things: a raised lip around the display (so that in a flat drop the edge hits the ground, not the glass) and shock-absorbing corners, because that is statistically where phones hit most often. Thin designer cases are better than nothing; the true drop heroes are models with reinforced corners. A nice side effect: under a case, your device stays in good condition, which pays off directly when you later sell it.
The display is the most expensive and most fragile component. Tempered glass takes the sacrificial role on impact: it breaks, the display underneath stays intact, and it is practically immune to scratches from keys and sand. Why glass beats film almost every time is shown in our comparison, and in our stores we fit your tempered glass bubble-free in just a few minutes. Do not forget: the protruding camera lenses appreciate a protective glass too.
A case and glass lower the risk massively, but against a drop onto cobblestones at an unlucky angle or a swim in the lake, only financial cover helps. Phone insurance covers exactly the cases that warranty and repair prices do not: drop, breakage and liquid damage. Whether it is worth it depends on the device value: for a flagship probably yes, for a budget device probably no.
The most expensive loss is rarely the device itself but the 10,000 photos on it. Enable iCloud or Google backup once and this risk is ticked off forever: settings, enable backup, done. If the device does give up one day, data recovery can help in an emergency, but the backup is the protection that costs nothing and saves everything.
A case with a raised lip plus fitted tempered glass together cost a fraction of a display replacement and prevent the most common damage. Insurance covers expensive devices against the rest, and the backup protects the only truly irreplaceable thing: your data.