While house sitting for my landlord tonight, I went fishing on her dock. (She lives on a lakeside.) Well, her dog came bolting past me, made me jump, I lost my balance, and SPLASH! I fell in the water. My phone was in my pocket. I'll give you a moment to stop shuddering. Anyway, I quickly got myself on dry land, took apart my phone, and put it in a bag of rice. This, however, did not work and my phone's insurance policy does NOT cover water damage. What do?