Hi, Rusty!
Yes, it is a beautiful day here, too!
I made it home just in time for my daughter's phone call! 
She is using her 'old' phone at present.
I am not sure what she will do about the broken one......
I forwarded your link about Home Contents Insurance to her...
She asked me to thank you,  and she will look into it, as she has no idea - without finding and perusing her Contents policy -  whether she will be covered by that  or not.
I found today's puzzle difficult?
I didn't know "fugu" or "agnomen".
And 3d had me thinking of "okra" ..... I did not know "gumbo".
And 26a had me stumped for ages! 
I had "back number" from the  definition and the crossers, but couldn't see "owt" as "two" reversed!
I was thinking of "owt" as meaning "something"...as in " Is there owt wrong?"