Even if you don’t actually go in the water, you can still get pretty wet from gold panning. We have set up a place by the river and it never fails for me to get soaking wet on these gold prospecting outings. I always like to carry my cigarettes in my front pocket. I usually will take a couple of aspirin too, in case I get a headache. On more than one occasion already, I have gotten my cigs and the aspirin wet, from the water soaking through my jeans and into my front pockets. You certainly would not want to have a cell phone nearby; while you was panning for gold. Any electronic equipment would be something you would want to keep far away from the creeks or rivers; where you were panning. I guess buying some form of iphone insurance would be the safe way to go, for those that like to hunt for gold like I do. Finding gold can be very rewarding, but it is a hard, dirty, and wet job to do. There’s just no way to find gold without getting wet or dirty, so keep this in mind before you go out seeking those big gold nuggets.