Get a water resistant phone and put it into an Otterbox. I'm done. There are so many available today and Otterbox makes cases for almost all of them.

What doesn't seem to work are the no-name rugged models.

Just a few months ago my wife and I picked out new phones. We both got the Motorola G5 Plus because it was on CNET's best list and very affordable. But it's not waterproof. Just resistant.
https://www.quora.com/Is-Moto-g5-waterproof

For the case we fitted the Spigen noted at https://www.androidcentral.com/best-cases-moto-g5-plus

You can get that Beetle case if you need more.