Thanks for all the advice/sympathy. BTW, it wasn't in my pants pocket, it was lying on the bed when my wife stripped the sheets....
I am just visiting Perth for 3 months, so don't have local home insurance, and I live in the UK, which is why I need a European guarantee - thus a Finnish made one. Mobilicity and Mobiliciti do have better prices than I found in the US. I assume they are reliable, right?

Phone is sitting in a bowl of rice as I write.

Thanks.