One day at work, I had my phone in my pants' backpocket and you guessed it! It fell in the toilet when I pulled them back up. It was an autoflush type and I had to grab it quick. Yuck! Luckily I did have insurance on it but it still took over a week to get the replacement. Since it's my only phone, that was a long week. Now, the contract is up so I dropped the insurance. If anything happens, I just renew the contract and get a new phone. Saves me $7 per month.