You are right.
I do not have insurance either on my HTC but by the way the rep talked, it seemed like iPhone was the only exception for no insurance

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Another lame attempt to get to 2000 posts
M i C k E Y

2017 Tesla Model X
2014 Porsche Panamera-S e-Hybrid (sold)
2012 Porsche Cayenne
2001 X5 3.0 (sold)
2003 Carrera 911 Cabrio (sold)