Had mine for about 2 weeks, was sitting on my porch with my legs crossed and the phone slipped out of my pajama shorts, no case on. Didn't realize until the next day that the screen was slightly cracked at the top right corner and bottom left. I was mortified. The fall was totally negligible, like maybe 5 inches from my pocket to the floor. I was floored. I too do not have $175 to pay for insurance claim.