The issue here, is that OP planned for his house to be destroyed and having is phone OR not having is phone but still having his house. But didn't plan for havi

The issue here, is that OP planned for his house to be destroyed and having is phone OR not having is phone but still having his house. But didn't plan for having his house destroyed AND loosing its phone. One can still imagine a scenario where you can loose your phone AND your house AND another recovery method etc