Actually, a smartphone "breaking down prematurely" rarely just happens out of nowhere - it's usually the result of small problems piling up. The battery degrades gradually, the screen gets scratched without you noticing, and at some point your phone starts to feel "old". I agree with the previous answer about protection and battery, but there's a nuance: overheating is more dangerous than cold. If your phone gets hot even in your pocket during summer, you should keep it there less often and take it out into the air more frequently.
There's one thing most people forget about - cleaning the ports. Dust and moisture can make the charging port lose contact, so your phone charges intermittently. You get tempted to put off repairs or keep wiggling the cable around, but that destroys the contacts even faster. Wipe the port periodically with a dry cloth or use a can of compressed air - simple and effective.
And one more thing: don't seal your phone in a tight case right after heavy use. Let it cool down in open air for about five minutes, especially if you've just installed something or been gaming. It's a small thing, but it genuinely helps over time. Really, taking care of your smartphone isn't about "rules" - it's more about a habit of not creating unnecessary problems for yourself.