Your phone breaking in a dream is pretty much always about feeling like communication lines are getting cut off, not some actual bad event that's gonna happen. The panic you're experiencing in the dream is the real thing to pay attention to - that's your brain processing anxiety about being unreachable or missing something important.
Recurring dreams like this usually pop up when you've got stress building up somewhere. For me, I went through a stretch a couple years back where I kept dreaming I'd lose my radio at work, and I'd wake up in a cold sweat thinking I'd missed a dispatch call. Turns out I was dealing with some stuff that made me feel like I wasn't on top of things. Once I figured out what was actually stressing me and handled it, the dreams stopped. With you having this three times in a month, it sounds like something's got your head spinning - could be work stuff, relationship concerns, feeling overwhelmed with obligations, whatever. The specific trigger matters more than the dream itself.
The fact that it's the *panic* that stands out to you is probably the key. Pay attention to what's going on in your life right now that makes you anxious about being out of the loop or disconnected. It's not predicting disaster, but your subconscious is definitely trying to tell you something's weighing on you.