Amazon calculates a product’s star ratings based on a machine learned model instead of a raw data average. The model takes into account factors including the age of a rating, whether the ratings are from verified purchasers, and factors that establish reviewer trustworthiness.
I'm not sure what good this is because when my insured item broke I was not able to even contact anyone to get my item fixed or replaced. The entire process was made difficult to impossible and it has been months of dealing with this. Don't bother to buy this.