First of all, my deepest condolences!

What is Best Buy's insurance--how good is it? Are you going to a get refurb or a brand new one? Or--worse--are they going to try go fix your shattered phone?
I'm going to assume you weren't using a case. Cases are pretty much a no-brainer on a device of this importance. Not trying to give you a hard time about this, but rather, share with you a vital piece of knowledge for further reference. When I got my 5, I had no case for it. I can honestly assure you that the phone did not leave my home until I got the case a few days later. I got an Otterbox ...the Defender... I am so very happy with it.