I have a Samsung Behold and I accidentally dropped some water on it and now the speaker won't work. I have the Premium Handset Protection insurance thing on it (which is like $6 a month) so does that mean that my replacement phone will be free? Or do I still have to pay something? I'm kind of broke right now, that's why I want to know. If I still have to pay, then I might as well just look for a cheaper alternative. Thank you!