How good is Square Trade warranty on a Lumina 1520.3?

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Windows Central Question

Square Trade warranty on a Lumina 1520.3 question

I am about to buy a Lumina 1520.3 938 version from B and H Photo and I noticed after a lot of researching that the consensus is that Nokia US will not fix these phones for us if a problem arises. So I then see that a majority of people are buying the Square Trade extended warranty in place of the Nokia warranty. My question is if I drop my phone and break it to the point that it is not fixable what is going to be sent to me as a replacement under the Square Trade warranty? Will it be a 1520.3 938 Version like I got from B and H or will it be a US 1520 940 Version like say AT&T uses. Appreciate any feedback especially from possibly someone who has had to use the Square Trade warranty already on their 1520.3. Thank you in advance for any replies.
 

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