Well there is only one option for a cracked screen other than paying for a new one at almost the same retail value as the phone.
www.squaretrade.com they protect your iphone.
It costs 65.00 for a 3 year coverage plan and only 50.00 for the deductable. So 115.00 is cheaper than paying out of pocket 200.00 - 250.00 .So if you are looking for good protection. Try them out!