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This is something thats actually scary. Phones are so necessary now that when it breaks you could be digitially stranded, unable to log in to anything
I remember reading of a privacy-aware couple who were each others' "backups" in case one lost access. Well, they lost their house in a fire, along with their personal backups, and their "backup person" couldn't access their cloud backups either.
I'm an old-fashioned believer in the 3-2-1 -rule. Three copies of important data, two of them on different media, and one offsite. And make sure you can access all of them without the other two.
So like one password database on phone (even if it's offline, like most password apps have); one on the computer (like you probably want for use too?), and one in the cloud without need of either device or anything onsite to unlock (in my case, I've set up Bitwarden emergency access to someone in another country, and have a second Yubikey with a more local friend).
2FA has backup codes, plus you can keep TOTP on your other devices too.