Never mind the phone. Insure your data first. Hook it up to the net (the cloud, or clouds) and beam up your data into relative safety of the secure stratosphere. When the hardware departs, you do a (Matrix) reload and get going. Insurance premiums on the hardware will cost you price of a second one. So self-insure, buy another for your cousin, on condition he surrenders it back to you at short notice, should it become necessary. Let her enjoy it before it becomes obsolete and you move on to 2 on the next generation. Welcome to Tech Reality Show!