Assurant Xfinity's phone insurer has 0 regard for disabled Vets or lower income consumers

We have a total of 5 phones on our Xfinity account. 3 paid off and two weeks are paying off now. Recently my husband's phone tore up. Now we have insurance through Xfinity with Assurant. No problem, they'll send us a new one. Well about a week into waiting for the new phone, we get a call that says they do not have his phone in stock and we'd have to purchase another phone and they would reimburse us. This is a $1200 phone that we're still paying on. I informed them that my husband is a disabled Vet and gets a disability check so we do not have an extra $1200 to spend on a phone. Their response, that's all we can do, read your contract. Ok, should I have read the contract, yes but honestly they said do you want insurance and I said yes. I asked can they pay off the damaged phone (this would be much cheaper for them) they said No, I said can you send a different model phone, that they do have in stock, again No, I asked if we purchase another phone on Xfinity on payments would they pay that off, No. The only way we can assist is if you buy one and get reimbursed within 10 business days. So, as I stated in the subject line, no regard for people who are lower income or for disabled Vets. Now I don't have a large following on social media but I am on a lot of public disabled Vet forums and they have hundreds of thousands of followers. Now will all those followers see my posts probably not but I bet A Lot will. Maybe that will make people think twice about purchasing the extra insurance.