What do I need to break?

Strange question, I guess. I've had my phone for two years and three months and I'm sick of it. I've paid $180.00 in insurance in the past two years and by god, I'm going to use it. So what part of the phone can I damage to make it look like an internal problem? I know if you drop it in water a strip inside changes colour and it's considered your fault. Any ideas?

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Charging port. put the charger in the phone, then twist really hard when you pull it out.
Do that a couple times, it'll break off.

Make sure you back up your personal data, address book,calender, pics,ringtones,etc before you commit fraud!