https://support.apple.com/en-us/HT207043 https://support.apple.com/en-us/HT207043 You're right that water damage isn't covered but they're still pretty resista

https://support.apple.com/en-us/HT207043 https://support.apple.com/en-us/HT207043 You're right that water damage isn't covered but they're still pretty resistant: > iPhone 12, iPhone 12 mini, iPhone 12 Pro, and iPhone 12 Pro Max have a rating of IP68 under IEC standard 60529 (maximum depth of 6 meters up to 30 minutes).