Your smartphone doesn't need a fancy rain cover. Your DSLR does.

Yes, but the gear you need depends entirely on which camera you’re carrying.

For smartphones, a ziplock bag with a hole cut for the lens is honestly overkill. The mist on a boat tour won’t kill an iPhone; a quick wipe with a cloth does the job. If you’re paranoid, a $5 waterproof phone pouch works fine.

For a DSLR, mist is enemy number one. Get a rain sleeve—the thin, clear ones that cover the body and lens—for about $20. They pack flat, slip on in seconds, and keep the salt spray out. Hard waterproof housings are overkill unless you’re constantly in heavy rain or planning to dunk the camera.

Bring a microfiber cloth for both. That’s it.

Don’t overthink the phone protection. Spend the money on the DSLR sleeve.