Coverage Info & FAQ
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!
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.
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)
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!
- Cracked screens
- Spills & liquid submersion
- Accidental damage (like drops)
- Damage & malfunctions from accidental damage/drops
- Mechanical/electrical component failures (for phones)
- Theft of items from an unattended vehicle via forced entry (car break-ins)
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!
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 plans are equal to the deductible for theft on the same phone model, but there is a limit of only 1 Lost phone claim covered per 12 months. Lost phone protection is not included on phone-only plans or AKKO Plans that are paid monthly.
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.
- 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!
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.
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.
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.
Reimbursement for bicycles is limited to $1,000.
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.
Surfboards are protected for theft and damage due to mishandling on airlines, accidental damage from non-airline transportation or use/handling not included.
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.
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. Deductibles for lost phones on annually paid plans are equal to the deductible for theft on the same phone model, but there is a limit of only 1 Lost phone claim covered per 12 months. Lost phone protection is not included on phone-only plans or AKKO Plans that are paid monthly.
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.
– 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)
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 30 days before any coverage under your membership plan begins (including protection against accidental damages, device malfunctions/failures, theft, or lost phones). 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, malfunctions, theft, or lost phones.
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.
Your items are eligible for coverage through AKKO regardless of their age, where they were purchased, or whether they were purchased new or used.
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.
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!
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.