The Last Protection Plan You'll Ever Need
Cover your phone, laptop, electronics, and other vital personal items against costly damage and theft – all for just $15 a month.
– only $15/month
The Last Protection Plan You'll Ever Need
Phone Only
Protection
Protect any phone against damage, breakdowns, and theft
"Everything Protected"
The AKKO Plan
Protect 1 phone + all your electronic devices and more (25 items total)
Phone Only
Protection
Protect any phone against damage, breakdowns, and theft
"Everything Protected"
AKKO Plan
Protect 1 phone + all your electronic devices and more (25 items total)
Items Protected:
Phone Only
Protection Plan
"Everything Protected"
AKKO Plan
Protect 1 Phone
Protect Laptops, Tablets, and all your other electronics
Protect TVs, speakers, gaming consoles and more
Protect photography gear
Protect music instruments and audio gear
Protect sports equipment
Cost & Deductibles:
Cost
$6 – $12 /month
($5 – 11 /month if paid annually)
$15 /month
($14 /month if paid annually)
Student Rate: $12 /month
($10 /month if paid annually)
Phone damage deductibles
$29 – $99
(based on model)
$29 – $99
(based on model)
Phone theft/replacement deductibles
$75 – $99
(based on model)
$75 – $99
(based on model)
Damage Deductibles
(other items)
N/A
$99
($49 for students)
Theft Deductibles
(other items)
N/A
$99
($49 for students)
Bundle Multiple Plans and Save 5%!
Items Protected:
Protect 1 Phone
Phone Only Plan
AKKO Plan
Protect Laptops, Tablets, and all your other electronics
Phone Only Plan
AKKO Plan
Protect TVs, speakers, gaming consoles and more
Phone Only Plan
AKKO Plan
Protect photography gear
Phone Only Plan
AKKO Plan
Protect music instruments and audio gear
Phone Only Plan
AKKO Plan
Protect sports equipment
Phone Only Plan
AKKO Plan
Cost & Deductibles:
Cost
Phone Only Plan
$6 – $12 /month
AKKO Plan
$15 /month
AKKO Plan (student)
$12 /month
Phone damage deductibles
Phone Only Plan
(based on model)
AKKO Plan
(based on model)
Phone theft/replacement deductibles
Phone Only Plan
(based on model)
AKKO Plan
(based on model)
Damage Deductibles (other items)
Phone Only Plan
N/A
AKKO Plan
$99
AKKO Plan (student)
$49
Theft Deductibles (other items)
Phone Only Plan
N/A
AKKO Plan
$99
AKKO Plan (student)
$49
Choose Your Plan:
Bundle Multiple Plans and Save 5%!
Coverage, Simplified.
™
AKKO makes protecting your stuff easier and more affordable.
1.
Quick registration
Choose our phone-only or “Everything Protected” AKKO Plan. Upgrade or downgrade anytime.
Save 5-15% by bundling plans or paying annually.
2.
Full protection
Input your items’ info and snap a few photos. Done! Now they’re fully protected. Then simply add/remove items anytime you get new stuff.
3.
Easy repairs & replacements
Get repairs done quick – often same day for phones! We pay the store or can pay you by PayPal or wire immediately upon claim approval.
We protect what
you rely on
Keep your stuff protected without worry about cost and complexity.
Choose to protect just your phone, or cover all your stuff with our “Everything Protected” AKKO Plan.
Swap items in your account when you upgrade or buy/sell stuff, and Never Buy Another Protection Plan Again.™
We protect what
you rely on
Keep your stuff protected without worry about cost and complexity.
Choose to protect just your phone, or all your stuff with our “Everything Protected” AKKO Plan.
Swap items in your account when you upgrade or buy/sell stuff and Never Buy Another Protection Plan Again.™
What does my plan protect me from?
- Cracked screens
- Spills & liquid submersion
- Accidental damage (like drops)
- Damage & malfunctions from accidental damage/drops
- Mechanical/electrical component failures (for phones)
- Theft
- Theft of items from an unattended vehicle via forced entry (car break-ins)
What items are covered?
Your AKKO Plan covers just about any of your everyday personal items, from electronics to clothes to sports gear. Once registered, you can select one (1) phone + any 25 of your eligible belongings to load into your AKKO account for protection. Your items can be swapped out whenever you’d like.
Electronics
Phones (limit of 1 per account), laptops, tablets, smartwatches, TVs, desktop computers, monitors, etc.
Photography & Video Equipment
Cameras, lenses, accessories, tripods, gimbals, etc.
Audio & Music Gear
Speakers, electronic music instruments, DJ equipment, headphones, musical instruments, etc.
Gaming
Video game consoles, controllers, peripherals, VR, etc.
Personal Transportation (Non-Motorized)
Bicycles, scooters, skateboards, hoverboards, unicycles
Sports & Recreational Gear
Skis, snowboards, golf clubs, tennis rackets, camping/climbing equipment, etc.
Clothing & Accessories
Clothes, jackets, shoes, sunglasses, watches, jewelry, etc.
Appliances (counter-top)
Blenders, coffee makers, microwaves (counter-top), etc.
School Supplies
Textbooks, backpacks, calculators, etc.
NOTE: All plans are per individual and will only cover items owned by the plan-holder. Plans cannot be shared with family or friends.
Adult and Student Plan accounts protect a maximum of one (1) phone. To cover additional phones, purchase additional adult or student plans. There are no quantity limits for other personal electronics and eligible items you want to add to your account.
Multiple plans may be purchased at a discount with billing bundled together!
Why is this such a great deal?
In short, it’s because AKKO’s technology makes facilitating and managing protection for your stuff more efficient and less expensive. Typical insurers charge high fees on insurance and protection plans because of the work involved in processing policies and claims, plus the cost of advertising and marketing.
AKKO is changing the game by providing reliable and affordable protection that’s simple and all-inclusive. We’ve eliminated the need for you to spend money on the protection plans, extended warranties and insurance add-ons that retailers, phone companies and others use to pad their bottom lines. And because all your protection is in one place instead of being spread across multiple plans from multiple companies, the process of making a claim is drastically simpler.
Doesn't my existing renters or homeowners insurance protect me already?
Renters or homeowners insurance will not protect your items against:
- Accidental damage (like drops)
- Cracked screens
- Spills & liquid submersion
Of course, accidents like these happen. If you drop your phone without a protection plan, you’ll be on your own for the screen replacement, which could cost up to $250. But with an AKKO plan, your coverage would nearly pay for itself within the first year!
Renters and homeowners policies do cover theft; however, your policy will typically have a $250 – $1,000 deductible. Furthermore, if you make a claim through those policies, your rates may increase because the claim gets reported and added to the equivalent of your “credit score” for insurance.
So would it ever really be worth it to make a renters insurance claim if your $800 smartphone got stolen? Probably not. But with a low-deductible AKKO plan (deductibles as low as $29 and never more than $99), the entire cost of repairing or replacing your device will be covered! Equally importantly, your rates will never go up, no matter how many claims you make.
Finally, as many people learn the hard way, auto insurance does not cover items stolen during vehicle break-ins; it will only cover damage to the vehicle itself. However, an AKKO plan will cover your items if they’re stolen or damaged in a break-in, and you’ll still only pay your deductible.
Note: Integrated car accessories or audio equipment like speakers and decks are not covered; see What’s Not Covered in our FAQ for the full list of exclusions.
Info & FAQ
Don’t worry, a lot of people sometimes think this sounds “too good to be true” so we get asked a lot
of questions. Below are the answers to most of them. If you have any others, just ask us! 🙂
Don’t worry, a lot of people sometimes think this sounds “too good to be true” so we get asked a lot of questions.
Below are the answers to most of them. If you have any others, just ask us! 🙂
What items are covered by an AKKO Plan?
Our Phone-only plans cover just your 1 phone.
But our one-of-a-kind “Everything Protected” AKKO Plan covers 1 phone PLUS 25 additional items.
Select one (1) phone + any 25 of your eligible belongings to load into your AKKO account for protection. You can swap items in and out of your AKKO plan whenever you’d like!
Electronics
Phones, laptops, tablets, smartwatches, TVs, desktop computers, monitors, etc.
Photography & Video Equipment
Cameras, lenses, accessories, tripods, gimbals, etc.
Audio & Music Gear
Speakers, electronic music instruments, DJ equipment, headphones, musical instruments, etc.
Gaming
Video game consoles, controllers, peripherals, VR, etc.
Personal Transportation (Non-Motorized)
Bikes, scooters, skateboards, unicycles
Sports & Recreational Gear
Skis, snowboards, surfboards, golf clubs, tennis rackets, camping/climbing equipment, etc.
Clothing & Accessories
Clothes, jackets, shoes, sunglasses, watches, jewelry, etc.
Appliances (only counter-top):
Blenders, coffee makers, microwaves, juicers, etc.
Handheld/Portable Power Tools
Handheld drills, circular saws, jigsaws, sanders, routers, etc. (covered only against accidental damage and theft)
School Supplies
Textbooks, backpacks, calculators, etc.
NOTE: All plans are per individual and will only cover items owned by the planholder. Plans cannot be shared with family or friends.
Adult and Student Plan accounts protect a maximum of one (1) phone. To cover additional phones, purchase additional adult or student plans. There are no quantity limits for other personal electronics and eligible items you want to add to your account.
Multiple plans may be purchased at a discount with billing bundled together!
What does an AKKO Plan protect me from?
- Cracked screens
- Spills & liquid submersion
- Accidental damage (like drops)
- Damage & malfunctions from accidental damage/drops
- Mechanical/electrical component failures (for phones)
- Theft
- Theft of items from an unattended vehicle via forced entry (car break-ins)
What is the deductible on an AKKO Plan?
The deductibles for phones on our phone-only protection plans or our “Everything Protected” AKKO Plan range from $29 – $99 per claim based on the phone’s model. $99 is also the max deductible even for theft or total replacement claims – less than half as much as most other protection providers!
Click here to view the deductibles for repairs/replacements on your specific phone make/model.
If you have one of our “Everything Protected” AKKO Plans, which protect one (1) phone + 25 other items, all other items besides your phone are subject to a $99 deductible ($49 for students) for any incident of accidental damage or theft.
This amount that is “deducted” from any reimbursement payout you receive exists so that you’re still motivated to be careful with your stuff.
But with all of AKKO’s protection plans, we’ve made sure to offer easily affordable deductibles for incidents of accidental damages, breakdowns, and theft, rather than the $150 – $500 deductibles you’ll encounter with many other protection plans for phones, laptops, and other electronics and personal items.
Note: Deductibles for lost phones on annually paid AKKO Plans range from $99 – $399 based on the phone make and model. Lost phone protection is not included on phone-only plans or AKKO Plans that are paid monthly.
What is the coverage limit?
AKKO Base Plans ($15/month for adults, $10 for students) include $2,000 of reimbursement protection per incident**. There are no annual reimbursement limits or limits on the number of claims you may file.
**$2,000 PER INCIDENT means that, for instance, if you just replaced your broken phone with us and your new phone is stolen the following week, the replacement value of your phone will be covered in full (after deductible) as long as that amount is less than $2,000.
If at another point in the same year you drop your laptop and the screen is smashed, the repair cost or replacement value of the laptop will be fully covered (after deductible) as long as it’s less than $2,000.
In short, there is no annual limit to your claims and reimbursement, and every incident is covered individually.
However, if during a single incident someone steals your entire backpack, which contains both your phone and laptop, up to $2,000 total is covered to reimburse you for replacing those items and any other covered contents of your backpack (including the backpack itself). Even if the combined replacement cost exceeds $2,000 for all these items, your coverage will pay out a maximum of $2,000.
Higher per-incident coverage limits are available!
Once you’re registered, you can upgrade your coverage to a per-incident reimbursement limit as high as $10,000! Our most common per-incident upgrade is $3,000 – $5,000, which adds only a few dollars to your monthly premiums.
Our studies and claims data show that the $2,000 per-incident limit is more than enough for the majority of users. That said, if you would like to cover more expensive items like a high-end laptop, specialty photography or music gear, etc., we offer an easy option to upgrade your limit. Simply contact us via the “billing” section of your account to initiate an increase to your per-incident limit.
Other Limitations:
- Coverage for jewelry, watches, rings and other items consisting of gold, silver, platinum or furs is limited to $1,000.00 for any one incident.
- Coverage for bicycles is limited to $1,000.00.
- Property in a personally owned automobile is covered, provided that the vehicle was locked and windows fully closed at the time of theft, and that there was visible evidence of forced entry into the vehicle.
NOTE: All plans are per individual and will only cover items that the individual owns. This means that if you file a claim, you must have proof that you are the owner of the item.
Questions about coverage limits? Contact us!
Do I need my item receipts for coverage? What if I don't have them?
For accidental damage claims, we do not require the original purchase receipts for the items you want to protect on your plan. While the receipt would be preferred, you can establish proof of ownership through other means.
For items purchased used or through a third-party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, you may request an email be sent to you by the seller stating what you bought, when you bought it, and how much you paid for it. If an item was gifted to you, you may need to ask the gift giver for a statement that says as much.
For theft claims, proof of purchase will need to be provided. If you don’t have the original receipt of your purchase, you can try to contact the original seller or retailer, as they typically have records of past transactions. You can try providing your name, phone number, email, or credit card number to try and track down a receipt for something you purchased.
You can also provide our team a record of your credit card or bank statement showing the date and amount paid for an item. Finally, if you purchased an item through a marketplace or from a private seller, you can provide a record of, for instance, a PayPal or Venmo transaction.
What items are NOT covered by an AKKO Plan?
We do not cover furniture, automobile, motorcycle, boat, motor, aircraft or aircraft parts (including drones) or any type of motorized land vehicle or other conveyances or their accessories (including car stereos, GPS navigation devices, keyless entry), money in currency or coin, evidences of debt, letters of credit, passport documents, notes, securities, transportation tickets or any other tickets, pharmaceuticals, prescription or over- the- counter, artwork, professional or amateur, antiques or collectables, animals, firearms or ammunition, salesman samples, contact lenses, keys, artificial teeth or limbs, or merchandise for sale, forms of identification, including student ID’s and driver’s licenses.
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Reimbursement for jewelry, watches, rings, and other items consisting of gold, silver, or platinum or furs is limited to $1,000.00 for any one incident of loss.
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Reimbursement for bicycles is limited to $1,000.
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Property in a personally owned automobile is protected, provided that the vehicle was locked and windows are fully closed at the time of theft and there was visible evidence of forced entry into the vehicle.
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Surfboards are protected for theft and damage due to mishandling on airlines, accidental damage from non-airline transportation or use/handling not included.
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Appliances: only counter-top appliances such as blenders, coffee makers, toasters, or microwaves are protected. Appliances which are wall mounted or integrated into cabinetry or have any types of utility hookups such as gas or water are not covered.
- Handheld/portable power tools are covered only against accidental damage and theft.
Does my AKKO Plan cover lost items and lost phones?
If you lose one of your belongings, you’ll need to evaluate the situation to determine whether it qualifies as theft or what’s called “mysterious disappearance” (i.e., you simply misplaced your belonging and have no idea where it went).
Use tools like Find My iPhone or Google’s Find My Device to try and recover your phone; similar services exist to track down a missing laptop or tablet. Take screenshots or record evidence of your attempts to recover your phone to provide the most complete set of evidence you can with your claims.
To receive reimbursement for a stolen phone or other item, you must be able to share your location timeline and/or the location timeline of the device.
If you have an Android device:
Make sure Find My Device is working and enabled. Go to your web browser, search for “Find My Device” and click the first result. Make sure you can see the device on a map displaying “last known location” along with the device name, make, and model.
If you have an iPhone:
The “Find My” app on iOS does not provide a history of your device’s location, which can help provide proof of theft for your claim. Download the Google Maps app and be sure it is set to allow location access at all times. You can verify that your Google Maps timeline is available by checking here: https://www.google.com/maps/timeline
You will only need to show AKKO your location history if your phone or another item is stolen. Your location data will not be used for any purpose other than to verify your claim.
The protection you get with an AKKO Plan will cover theft of any item, but it will only cover “mysterious disappearance” of phones for customers who have signed up for an annual payment plan. The deductible for a lost phone for those on annual plans ranges from $99 to $399, depending on the make and model.
Can I add multiple phones to my AKKO Plan?
Plans cannot be shared with friends, family members, or anyone else. All plans are per individual and will only cover items that the account holder owns.
All accounts may have up to one (1) phone on them. To add more phones, you must purchase additional plans – either phone-only or an “Everything Protected” AKKO Plan.
New Customers:
– Purchase “Everything Protected” AKKO Plans for your family/group: CLICK HERE
– Purchase multiple Phone-only protection plans: CLICK HERE
Current Members:
– Contact our billing team via Chat or email [email protected] to add additional plans for new members/devices
– Did you already register multiple plans? Remember, each phone has its own login. Be sure to have each member of your group/family login to their own account using their own cell phone number to activate and register their protection. (more info)
When does my coverage take effect?
Your protection begins at 12:01 a.m. Standard Time at the location of your property the day after your account is created and payment is current and activation is completed.
There is a waiting period of up to 30 days for accidental damages, theft, or lost phones to be eligible for reimbursement from your membership plan. In situations where ample photo/video evidence is available, and all photo verification steps have been completed for your item, this waiting period may be waived for cracked screen damages, but no other type of accidental damages or malfunctions.
Be sure to follow all instructions within your account for adding photos and information for your items.
Photos of phones and tablets should be uploaded using the phone’s own cameras (front and rear) to provide pictures of the front (screen) and back sides of the device by taking the photos in front of a mirror. A photo of the phone’s “About” page in settings should also be provided by using another device (do not provide a screenshot) and the serial # of the device should be visible on the screen, as well as the entire front of the phone being visible.
Photos of laptops and computers should be taken by including a photo of the device with the screen powered on and also displaying the “about” page showing the specs and serial # of the computer.
Photos of TVs should also be taken where the screen is powered on and displaying video/image. Also include photo of the serial #. For gaming consoles, be sure to include photos that show the device powered on with image/video visible on a display. Do not just include photos of the gaming console itself if it has no screen.
Can I add items that are older or used to my protection plan?
Yes!
Your items are eligible for coverage through AKKO regardless of their age, where they were purchased, or whether they were purchased new or used.
See the list of eligible items here.
For items purchased used or through a third-party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, you will need to contact the seller and request an emailed statement that identifies the item, the date it was purchased, and the amount paid. This can suffice as a purchase receipt if you need to provide one during a claim. This also applies to items that you paid for in cash. If you paid for the item via Venmo, PayPal or another payment app, you can take a screenshot of the payment.
Read more here about how purchase receipts are not required for coverage.
What kind of mechanical/electrical breakdown protection does AKKO provide?
NOTE: For phones, mechanical/electrical issues are covered regardless of when you purchased the phone and whether it was purchased used, new, or refurbished. It just needs to be undamaged and fully functional at the time you register. For all other items, the below conditions apply.
Our AKKO Plan ($15/month plan that protects 1 phone + 25 items) includes a mechanical/electrical components failure protection guarantee for all your portable electronic devices (such as laptops, tablets, smartwatches, and headphones) and TVs that lasts for 36 months from the date of purchase of each device.
Portable electronic devices and TVs you add to your AKKO account for this protection must have been purchased “new” by you either within the 120 days prior to your registration, or anytime after you registered your plan. You must upload your purchase receipt with each device you wish to have this protection to your AKKO account.
It’s basically like having FREE 3-year mechanical warranties on all of your portable electronic devices and TVs!
Terms:
For any of your portable electronic devices or TVs that already have an active warranty which covers mechanical/electrical component failures (either provided by the manufacturer of the device, a retailer/reseller, or third party) any claims pertaining to mechanical/electrical component failures would first go through your existing/included warranty.
After any existing warranty expires covering mechanical/electrical failures for your eligible devices, AKKO would take over for the remainder of the 36-month period that began on the date of purchase of the eligible portable electronic device or TV.
A portable electronic device is defined as any device which requires either an internal or external battery to operate. In addition to portable electronics, this protection and these terms also apply to TVs. All claims are still subject to your plan’s standard service fees/deductibles.
This special protection ends for your devices if you cancel your plan with AKKO and cannot be resumed even if you choose to re-enroll with AKKO at a later point in time.