Had my Fairphone 3 over 5 years now, and I dropped it a few hundred times ago - only equipped with the small "bumper" (a rubber ring around the edges). Only in the end I noticed worse reception - I guess some of the antenna contacts inside came lose. BUT you can totally disassemble the phone yourself and fix that - you only need a normal screwdriver. I upgraded to my Fairphone 5 a few days now - and I'm totally happy with it! Better camera, more storage and better fingerprint sensor.
Plus, they'll support your phone with updates for 8 years, I think.