Our insurance provider is Brightstar.
Brightstar Device Protection may fulfill claims with a reconditioned phone of like kind and quality. In the event a reconditioned phone is not available, the replacement will be a new phone of like kind and quality. The goal of Brightstar Device Protection is to make every attempt to replace your phone with the same make and model covered. If this is not possible, they will fulfill the claim with a similar model of your current phone.
The HTC Desire 816 launched in February 2014, and may not be available where required. The Samsung J7 is from March of 2016, and is definitely a comparable, and in many ways a better phone than your old HTC device.
Here's a comparative guide of the main features on both phones:
HTC 816 - 5.5 inches, 83.4 cm2 (~67.7% screen-to-body ratio)
Samsung J7 - 5.5 inches, 83.4 cm2 (~72.3% screen-to-body ratio)
HTC 816 - 720 x 1280 pixels, 16:9 ratio (~267 ppi density)
Samsung J7 - 720 x 1280 pixels, 16:9 ratio (~267 ppi density)
HTC 816 - Android 4.4.2 (KitKat), upgradable to 6.0 (Marshmallow)
Samsung J7 - Android 6.0.1 (Marshmallow), upgradable to 7.0 (Nougat)
HTC 816 - Qualcomm MSM8928 Snapdragon 400
Samsung J7 - Qualcomm MSM8952 Snapdragon 617
HTC 816 - Quad-core 1.6 GHz Cortex-A7
Samsung J7 - Octa-core (4x1.6 GHz Cortex-A53 & 4x1.0 GHz Cortex-A53)
HTC 816 - Adreno 305
Samsung J7 - Adreno 405
HTC 816 - microSD, up to 256 GB (dedicated slot)
Samsung J7 - microSD, up to 256 GB (dedicated slot)
HTC 816 - 8 GB, 1.5 GB RAM
Samsung J7 - 16 GB, 2 GB RAM
HTC 816 - Primary 13 MP (f/2.2, 28mm), AF, LED flash, check quality
Samsung J7 - 13 MP (f/1.9, 28mm), AF, LED flash, check quality
HTC 816 - 1080p@30fps, 720p@60fps
Samsung J7 - 1080p@30fps
HTC 816 - 5 MP, f/2.8, 1080p
Samsung J7 - 5 MP, f/1.9, LED flash
We hope this information helps!