<prompt> Human: Found out about this last month when I dropped my phone on the pavement and the screen shattered. If you pay your cell phone bill with a Wells Fargo credit card, you get free insurance coverage with a 25 deductible. The claims process was pretty simple. I just had to fill out a form, provide a copy of my cell phone bill, a copy of my credit card statement and an estimate from the Apple Store for screen replacement. Within a week, I received a check in the mail for the screen replacement cost minus the deductible. I wouldnt go out of my way to sign up for a WF card just for this benefit, but if you already have one, you should definitely look into paying your cell phone bill with it. It also covers multiple phones if youre on a family plan.The details  <response>: Is it really worth the risk of using Wells Fargo? 