Is there any insurance I can buy for my phone, in case I get it wet, break screen or other user problems?
Republic doesn’t sell any. Many people use SquareTrade. https://squaretrade.com
Securanty is another option: https://www.securranty.com.
I would recommend that you look into a Wells Fargo credit card that offers phone protection (Chase also offers this on select cards, but I am unsure of how comparable it is to the Wells Fargo cards). Most of the cards don’t have a fee and as long as you pay your phone bill with it, you are covered for free (i.e. no monthly cost) up to $600 with only a $25 deductable. You can’t beat that anywhere. You are limited to 2 claims per year (shouldn’t be too much of an issue ) and it doesn’t cover lost phones. You can read an article the Points Guy wrote about cards with insurance here: https://www.thepointsguy.com/guide/credit-cards-with-phone-protection/amp/ .