Assurant insurance scam

About 3 years ago cracked my screen, called tmobile assurant, they said only place I could  get it fixed was 3 hours away, when I had cell phone repair closer, I ended up paying out of my pocket. Just cracked my screen again and assurant is telling me they would need to send me a replacement, because now they don't have anyone in the area to fix..well I don't want replacement I just want my phone fixed. I never had issues with sprint always flexible t-mobile is the worst and need to lose assurant..all I do is have issues with Tmobile,  I can't even get into my anti-virus and problems with my phone tracker....the tech was no help, but nice, but it appears I'm still having issues. I pay the insurance for five phones you figure I could take my phone anywhere to get fixed.