The iPhone XS, XS Max or even the iPhone XR are both water-resistant. Not just about them, including other Apple iPhone models such as the iPhone X, iPhone 8, iPhone 8 Plus, iPhone 7, and iPhone 7 Plus are also splashed, water, and dust resistant and were tested under controlled laboratory conditions.
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On the part of the iPhone XS and the iPhone XS Max, they have a rating of about IP68 under IEC standard 60529 which is a maximum depth of 2 meters up to 30 minutes.
The iPhone XR, iPhone X, iPhone 8, iPhone 8 Plus, iPhone 7, and iPhone 7 Plus have a rating of IP67 under IEC standard 60529 which is about maximum depth of 1 meter up to 30 minutes. So their Splash, water, and dust resistance are not permanent conditions and resistance might decrease as well.
Remember, liquid damage is not covered under warranty, but you might have rights under consumer law. If your iPhone is affected by other liquid such as soda, beer, coffee, tea, and juice you can wipe them off and dry it.
To answer your questions…
Can I shower with my iPhone XS Max? Answer: No.
Can I take my iPhone xs max to the pool? Answer: No.
Can I swim with my iPhone xs max? Answer: No.
About taking an underground photo with an iPhone XS Max, it’s hardly possible. Although your iPhone is water-resistant of about 30 minutes in a depth, however, there are some questions you need to ask.
There’s no way to access your iPhone camera when you are under the water. The possible solution is using selfies stick. Be warned, your iPhone can only survive 30 minutes in a depth of up to 1 meter. If you plan of taking pictures under the water or going to shower with your device, then you will need a Metal shield Case.
It’s still better to Play save than to be sorry, so avoid taking your iPhone to the pool, swimming or getting it in contact with any liquid. You should also minimize exposing your iPhone to soap, detergent, acids or acidic foods, and any liquids.