yeah what he said.^^^^ i got my envy 2 in the summer and jump in my lake with it in my pocket. (not on purpose). i had to pay 100 bones to get a new envy 2....they told me i couldnt get a diff. phone.
the insurance company is a diff. company than your cell phone carrier (verizon, atnt ect.) so you prob wont be able to cut a deal with your carrier and those insurance companies are shady and will only give you the same phone you had orrr an older model. in my case i was told i might not be able to get the envy 2 but just the envy.
hope that helps