So, this is why I carry the $6.75/mo carrier insurance. In Florida on vacation and while getting out of the boat to have lunch Friday, Xs Max went splash into the Gulf! Yes, it’s a $199 deductible but had a new phone Saturday afternoon. I know AppleCare is now offering a loss and theft option as well. May be something to look into. I dropped an iPhone 7 into the lake at my house last year. Lost a shoe trying to find it in the muck. I think I’m going to invest in some of those waterproof floating bags lol