Cell phone insurance is a good thing. Many years ago I lost my wallet while on vacation at Lake of the Ozarks, MO. My wife asked me what I did last. I said I was fishing off of a dock down at the lake.

Next thing you know I'm diving in 20 feet of water at the dock in near zero visibility looking for my wallet. Used a line with anchor to mark my position for each dive. After an hour I reached out and felt the leathery wallet, clinched it for dear life. We were young then, no credit cards and all the cash we had was in that wallet. At least the water was warm