I want some clarity. When I was reviewing the insurance coverage online when selecting my upgrade I was annoyed/shocked that it said that water damage was not covered by insurance yet the brochure that came with the delivery of my new phone states in the very first paragraph that "you're even covered for water damage". Which is correct. Where is the official contract that I can quote from if there are issues? I don't own a boat or live near water but my last phone slipped out of my pocket right into the toilet on the 4th day. I plan on being careful but I need to know what is covered and where the actual contract is located. THANKS!