Water. My nemesis.

First, once again, let me introduce you to Tracfone. My trusty Nokia 1100 has been through the wash. All the way through. As in found and recovered in the final spin cycle, dried over the hearth for 24 hours and back in service. They don't advertise that it's waterproof, and technically, it probobly isn't, but hey, that' smy story.
I carry my phone wrapped in a layer of plastic wrap. It's hardly noticeable and you get perfectly fine audio through the plastic, and rain resistance to boot.

The next thing is zip-lock bags. Good for a quick dunk, not good for fording a river. I ALWAYS keep my FAK elements in a zip-lock, no matter what.

Finally, look into a watch by the Dakota Watch Company. They come in these mini-plastic cases that are sort of like mini-pelican cases. They aren't ultra durable, but they are good for small electronics.