Never Buy Another Protection Plan Again

Cover your phone, laptop, electronics, and other personal items you rely on against costly damage and theft, for less than $0.50 a day!

– only $15/month

Love from our AKKO community

5/5

Trustpilot

My cracked phone screen repair was a seamless experience with AKKO. They far exceeded my expectations and provided reimbursement funds the very next day.

Ray

5/5

Trustpilot

AKKO took care of me with fast customer service… Smoothest transaction for insurance ever.

5/5

Trustpilot

Very professional. Followed up and resolved the issue immediately highly recommend this company.

5/5

The easiest, fastest, & best insurance company I’ve ever used! … I truly love how easy AKKO is and the agents are honestly so nice.

5/5

Service received was great and helpful and fast 🙂

5/5

Super easy claims process. I broke the screen on my iPhone and the day after submitting my claim online I had the funds in my account to bring my phone to Apple for repair. Couldn’t be happier with this company.

5/5

“This company is amazing! I am able to cover all of my items for such a good price”

5/5

“My Apple Pencil broke suddenly and I was able to get payment for it within 24 hours.”

5/5

“I’ve never had an easier repair for any product, cell phone etc. AKKO responded very quickly, send in the information and pictures needed, and just as simple as that my cell phone dilemmas where gone. Thanks. Appreciate you.”

5/5

“Great customer service, cheap and affordable, would totally recommend for anyone shopping for electronic insurance, I can protect all my devices”

5/5

“AKKO’s service is the most convenient and BEST – especially for a creative like me with a ton of gear to protect.”

5/5

“The support and customer service was amazing! They were very helpful. Their prices we very reasonable! chose to get AKKO protection over any other company! Awesome value!”

5/5

“Jared was amazing. Gave me all the help I needed. Answered all my questions with great customer service and very knowledgeable. Thank you again Jared !!”

5/5

“Very quick response and got my repair scheduled quickly! Thanks guys you are amazing!”

5/5

“Fast, easy, great customer service. I highly recommend.”

5/5

“AKKO protects my stuff, has a smart and easy to use interface, and is a better deal than individual insurance plans for each of my items. For peace of mind, this is a no-brainer!”

5/5

“I thought AKKO was too good to be true, but it turns out it isn’t! As promised, they took great care of my broken computer with a pretty quick turnaround. Now I just have to make sure I put every valuable item I own on there!”

We keep things simple and only offer 2 different plans.
You can change your plan anytime.

Pay Monthly

Phone Only
Protection

Protect any phone against damage, breakdowns, and theft

$6-12per month
Protect Any Phone
Damage and Theft Protection
$29 - $99 deductibles
Accidental Damage
Parts/Battery failures
Theft
Replacement Cost of Your Phone
Unlimited Claims

"Everything Protected"
AKKO Plan

Protect 1 phone + all your electronic devices and more (25 items total)

$12-15per month
Protect 1 phone + 25 items
Damage and Theft Protection
$29 - $99 deductibles
Accidental Damage
Parts/battery failures (phones)
Theft
$2,000 per claim limit (no annual limit)
Unlimited Claims

"Everything Protected"
AKKO Plan

Protect 1 phone + all your electronic devices and more (25 items total)

$12-15per month
Protect 1 phone + 25 items
Damage and Theft Protection
$29 - $99 deductibles
Accidental Damage
Parts/battery failures (phones)
Theft
$2,000 per claim limit (no annual limit)
Unlimited Claims

Phone Only
Protection

Protect any phone against damage, breakdowns, and theft

$6-12per month
Protect Any Phone
Damage and Theft Protection
$29 - $99 deductibles
Accidental Damage
Parts/Battery failures
Theft
Replacement Cost of Your Phone
Unlimited Claims
Compare Our Plans

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)

Phone Only
Protection Plan

"Everything Protected"
AKKO Plan

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

$29 – $99
(based on model)

AKKO Plan

$29 – $99
(based on model)

Phone theft/replacement deductibles

Phone Only Plan

$75 – $99
(based on model)

AKKO Plan

$75 – $99
(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:

Phone Only Plan

AKKO Plan

AKKO Plan (student)

Bundle Multiple Plans and Save 5%!

AKKO beats out Squaretrade, AppleCare, and Geek Squad for best phone protection!

Coverage, Simplified.

AKKO makes protecting your stuff easier, and more affordable.

1.

Quick registration

Choose our Phone-only or “Everything Protected” AKKO Plan. Upgrade/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.

1.

Quick registration

Choose our Phone-only or “Everything Protected” AKKO Plan. Upgrade/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 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

surfboards.jpg

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.™

  • Cracked Screens
  • Spills & Liquid Submersion
  • Accidental Damage (like drops)
  • Damage & Malfunctions from Accidental Damage/Drops
  • Mechanical/Electrical Failures of components (for phones)
  • Theft & Vandalism
  • Theft of items from an unattended vehicle via forced entry (car break-ins)
  • Fire, Flood, & Natural Disasters
  • Power Surge by Lightning

Your AKKO Plan covers just about any of your everyday personal items. From electronics, to clothes, to sports gear. Once registered, you can select (1) Phone + Any 25 of your belongings to load into your AKKO account that are eligible for protection. Plus, your items can be swapped out whenever you’d like. 

Such as (but not limited to):

Electronics:
Phones (limit of (1) added per account), laptops, tablets, smartwatches, TV’s, desktop computers, monitors, and more

Photography/Video equipment:
Cameras, lenses, accessories, tripods, gimbals, all other gear

Audio/Music Gear: 
Speakers, electronic music instruments, DJ equipment, headphones, musical instruments, and other gear/peripherals

Gaming:
Videogame consoles, controllers, peripherals, VR, and more

Personal Transportation items (non-motorized):
Bikes, scooters, skateboards, hoverboards, unicycles 

Sports/Recreational Gear:
Skiis, snowboards, surfboards, golf clubs, tennis rackets, camping/climbing equipment, and other sports gear and accessories

Clothing & Accessories:
Clothes, jackets, shoes, sunglasses, watches, jewelry, and more

Appliances:
Blenders, coffee makers, microwaves, and other appliances, including the ones pre-furnished in dorms/apartments/homes you’re living/renting in

School Supplies:
Textbooks, backpack, calculators, other educational tools and items

 

NOTE: All plans are per individual and will only cover items that the individual member owns. Plans cannot be shared with family or friends.

Adult and Student Plan accounts may have up to (1) phone on them. 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! (check out family plans).

 

Click here to see “what items are not eligible for coverage.”

The short answer:  because AKKO is using technology to make facilitating and managing protection for your stuff more efficient and cost less. Typical insurers charge really high fees on the insurance and protection plans you buy because of the work involved in processing policies and claims, as well as the cost to advertise and market the coverage to consumers.

At AKKO, we’re trying to change that so that customers can get great and affordable protection that’s simple and all-inclusive, instead of being taken advantage of by purchasing multiple protection plans and insurance for all the stuff they own individually.

Renter’s or Homeowner’s insurance WILL NOT protect your items against Accidental Damages, such as:
> Cracked Screens
> Spills & Liquid Submersion
> Accidental Damage (like drops)
> Damage & Malfunctions from Accidental Damage/Drops

So if you were to drop your phone, you’d be on your own for the $250 screen replacement. But with an AKKO plan, your coverage would nearly pay for itself within the first year!

Your Renter’s or Homeowner’s policy WILL cover Theft, however, your policy will typically have a $250 – $1,000 deductible and if you make a claim, your rates can 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 claim if your $800 smartphone got stolen? Probably not… Whereas with an AKKO plan, you could file a claim, pay only a $100 deductible, and the cost to repair or replace your device would be covered! Any claim made on your coverage plan also does NOT affect your insurance credit score and your rates also won’t increase because you file a claim, it’s always $15/month!

IMPORTANT NOTE:  As many people learn the hard way… Auto Insurance DOES NOT cover items stolen during vehicle break-ins. Your Auto Insurance will cover the damage to your vehicle itself, such as a broken window. However, an AKKO plan will cover your items stolen from a vehicle break-in and you still only pay your $100 deductible to get replacements for the items that were stolen or damaged. (integrated car accessories or audio equipment like speakers/decks are not covered, see “what’s not covered” for full list of exclusions)

Car Insurance unfortunately DOES NOT cover the items that get stolen during a vehicle break-in, it only covers damages to the vehicle itself! 

We hear from countless customers about this one… You’d think that “car” insurance would cover everything related to your car, right?

Well unfortunately, your car insurance is only that, insurance for your car including the damage it may do to other people’s property, car, or themselves.

If your car gets broken into, you’ll be on the hook for replacing any of the contents in your car which were stolen. This could be your laptop, backpack, bike, clothes, or whatever else you had in there.

You car insurance will pay for things like your broken window, or damaged door.

After you file a claim for your Apple devices, typically you’ll be directed to go to your closest Apple Store, but if you don’t live near one, or would rather go to a closer electronics repair shop, you can go there as well!

If your device has damages which one of our repair partners or a shop near you is unable to solve, we’ll help you get the work done straight through Apple.

Yup! The amount you pay when something of yours is damaged or stolen is called your “deductible.” 

It’s the amount we deduct from your payout for a claim.  The reason insurance and protection plans contain a deductible is so that you are still motivated to be careful with your stuff.

But we make sure to set a deductible that’s at least easily affordable rather than the $250 – $400 deductibles on most other protection plans for phones, laptops, and other items or a renter’s or homeowner’s insurance policy.

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! 🙂

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.

From electronics to music instruments and photography equipment and even sports gear. Once registered, you can select Any 25 of your belongings to load into your AKKO account that are eligible for protection. Plus, your items can be swapped out whenever you’d like.

Choose from:

Electronics:
Phones, laptops, tablets, smartwatches, TV’s, desktop computers, monitors, and more

Photography/Video equipment:
Cameras, lenses, accessories, tripods, gimbals, all other gear

Audio/Music Gear:
Speakers, electronic music instruments, DJ equipment, headphones, musical instruments, and other gear/peripherals

Gaming:
Videogame consoles, controllers, peripherals, VR, and more

Personal Transportation items (non-motorized):
Bikes, scooters, skateboards, hoverboards, unicycles

Sports/Recreational Gear:
Skiis, snowboards, surfboards, golf clubs, tennis rackets, camping/climbing equipment, and other sports gear and accessories

Clothing & Accessories:
Clothes, jackets, shoes, sunglasses, watches, jewelry, and more

Appliances (only counter-top):
Blenders, coffee makers, microwaves, juicers, etc.

School Supplies:
Textbooks, backpack, calculators, other educational tools and items

NOTE: All plans are per individual and will only cover items that the individual on the account owns (either purchased by them or given/gifted to them).  Plans cannot be shared with friends or family members. All plans may have up to (1) phone on them. To cover additional phones, select our family/multi-plan options!

  • Cracked Screens
  • Spills & Liquid Submersion
  • Accidental Damage (like drops)
  • Damage & Malfunctions from Accidental Damage/Drops
  • Mechanical/Electrical Failures of components (for phones)
  • Theft & Vandalism
  • Theft of items from an unattended vehicle via forced entry (car break-ins)
  • Fire, Flood, & Natural Disasters
  • Power Surge by Lightning

The deductibles for phones on our phone-only protection plans or our “Everything Protected” AKKO Plan ranges 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 the cost of 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 protects 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 individuals are still motivated to be careful with their stuff.

But with all of AKKO’s protection plans, we made sure to have the deductibles at least be set at easily affordable amounts rather than the $150 – $400 deductibles seen on many other protections plans for phones, laptops, and other electronics and personal items.

If you have a phone-only protection plan, the limit of protection is capped at the replacement cost value of your phone at the time of your claim. This means that no matter what, you will always be covered to get an exact replacement of your phone (down to the same make, model, color, technical specs, and carrier). There is no limit on the number of claims you may file.

For our “Everything Protected” AKKO Plans ($15/month for adults, $12 for students) there is a protection limit of $2,000 PER INCIDENT** for all items besides your phone. There are no annual protection limits or a limit on the number of claims you may file. Additionally, all protection is still based on replacement cost value of your damaged/stolen items determined at the time of the claim.

**$2,000 of protection PER INCIDENT means that if next week on Monday your laptop is stolen, up to the replacement value of your laptop is covered as long as that amount is less than $2,000.

If at another point in the same year you drop your tablet and the screen is smashed, up to the repair or replacement value cost of the tablet is covered as well as long as it’s less than $2,000.

But, there is not an annual limit of $2,000 which would be exhausted in case replacing your laptop cost $1,800 and replacing your tablet had cost $500.

This demonstrates PER INCIDENT protection and the per incident limit with an AKKO Plan is $2,000. There is not an annual limit.

HOWEVER, if during a single incident someone steals your entire backpack, filled with your laptop, and tablet, up to $2,000 total is covered to replace those items and any other contents of your backpack, plus the backpack itself. So if the combined replacement cost was above $2,000 for all these items, you would only have coverage up to $2,000 to be reimbursed.

Higher PER INCIDENT protection limits are available!

Once you’re registered, you can upgrade your plan to a PER INCIDENT limit as high as $10,000. But for a more common $3,000 – $5,000 PER INCIDENT protection limit upgrade, it’s only a few more dollars per month 🙂

The $2,000 of PER INCIDENT protection is more than enough for the majority of users based on our studies and the claims rates of currently protected AKKO users nationwide. But for those with more expensive items like a high-end laptop, or specialty gear like photography or music/audio equipment, the option to upgrade your limit is easily available. Simply contact us via the “billing” section of your account and we can upgrade your limit.

—-

Other Limitations:

1. Coverage for jewelry, watches, rings, and other items consisting of gold, silver, or platinum or furs is limited $1,000.00 for any one Loss.

2. Coverage for bicycles is limited to $1,000.00.

3. Property in a personally owned automobile is covered, 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.

We re-state all this information under this separate Frequently Asked Question because sometimes users don’t click through all questions/answers and we want to make sure all prospective customers are fully informed 🙂

For any accidental damage claims, it is not a requirement to have the original purchase receipts for the items you want to protect on your plan. While preferred, you can establish “proof of ownership” of your items through other means.

For items you may have purchased used or through a 3rd party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to you by a seller stating the date you purchased an item, the amount paid, and what the item was. If an item was gifted to you, you may be requested to receive a statement from them confirming this.

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/retailer you purchased an item from as often they will 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. Or if you purchase an item through a marketplace or from a private seller, you could provide a record of something like a PayPal or Venmo transaction.

Automobile, motorcycle, boat, motor, aircraft or aircraft parts 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.

  1. 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.
  2. Reimbursement for bicycles is limited to $1,000.
  3. 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.
  4. Surfboards are protected for theft and damage due to mishandling on airlines, accidental damage from non-airline transportation or use/handling not included.
  5. 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.

If you were to “Lose” one of your belongings, you would need to evaluate the situation to determine if it fell under being theft, or what’s called “mysterious disappearance” (aka, you simply misplaced your belonging and have no idea where it went).

Use tools like Find My iPhone/Android to try and recover your phone, or similar services to track down a laptop/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, you must be able to share the location timeline of the device.

If you have an android device:

Make sure “Find my Android” is working and enabled. Just go to your web browser and type “Find my Android” and click the first result, make sure you can see the device on a map displaying “last known location” and the device name and make/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’s team your location history if your phone is ever stolen.

The protection you get with an AKKO Plan will cover theft, but will not cover “mysterious disappearance.”

For our best value “Everything Protected” AKKO Plans, which protect 1 phone per plan + 25 additional items on each plan, such as laptops, tablets, TVs, smartwatches, and more, you can do a family bundle here: REGISTER MULTIPLE AKKO PLANS

If you’re looking to protect only phones, check out our Phone-only multi-plans here: REGISTER MULTIPLE PHONE-ONLY PLANS

Our AKKO Plan protects 1 phone + 25 items. Each plan is meant for 1 individual and will only cover items that the 1 individual owns/uses. Plans cannot be shared with friends/family members. If a family member (such as a parent) is the one who purchased an item that is on a kid’s plan, that’s OK!

If you’re looking to protect multiple phones, you can register multiple AKKO Plans and mix/match between the Adult and Student rate plans. Perfect for families to be able to cover all their phones + all their other electronics and personal items!

For our best value “Everything Protected” AKKO Plans, which protect 1 phone per plan + 25 additional items on each plan, such as laptops, tablets, TVs, smartwatches, and more, you can do a family bundle here: REGISTER MULTIPLE AKKO PLANS

If you’re looking to protect only phones, check out our Phone-only multi-plans here: REGISTER MULTIPLE PHONE-ONLY PLANS

 

Our AKKO Plan protects 1 phone + 25 items. Each plan is meant for 1 individual and will only cover items that the 1 individual owns/uses. Plans cannot be shared with friends/family members. If a family member (such as a parent) is the one who purchased an item that is on a kid’s plan, that’s OK!

If you’re looking to protect multiple phones, you can register multiple AKKO Plans and mix/match between the Adult and Student rate plans. Perfect for families to be able to cover all their phones + all their other electronics and personal items!

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 or theft to be eligible for reimbursement from your plan. In situations where ample photo/video evidence is available when reviewing your reported loss and claim, this waiting period may be waived for losses from accidental damages.

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.

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.

Yes!

The age or place you purchased your items does not matter. As long as an item is eligible for protection, regardless of its age or if you purchased it used from a store or individual, you can add it to your plan and have it protected through AKKO. See what items are eligible for protection here.

For items you purchased used or through a 3rd party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to you by a seller stating the date you purchased an item, the amount paid, and what the item was.

This can suffice as a receipt should you be asked to provide one during a claim. However, for any claim of theft, you must also be able to provide proof of purchase (such as a record of a PayPal or Venmo payment, or a copy of your credit card or bank statement showing the date and amount paid). Read more here about how purchase receipts are not required for coverage.