#1 Rated Phone & Device Protection Plans
Protect any phone or device against costly damages, breakdowns, and theft.
- Easy & fast same-day repairs
- Electronic reimbursements
- Top-rated customer support
– starting from $5/month!

#1 Rated Phone & Device Protection Plans

Love from our AKKO community
“This company is amazing! I am able to cover all of my items for such a good price”
“My Apple Pencil broke suddenly and I was able to get payment for it within 24 hours.”
“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.”
“Great customer service, cheap and affordable, would totally recommend for anyone shopping for electronic insurance, I can protect all my devices”
“AKKO’s service is the most convenient and BEST – especially for a creative like me with a ton of gear to protect.”
“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!”
“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 !!”
“Very quick response and got my repair scheduled quickly! Thanks guys you are amazing!”
“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!”
“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!”
Protect any iPhone or Android
new, used, refurbished, any carrier or unlocked
- Cracked Screens
- Spills & Liquid Damages
- Accidental Damages (like drops)
- Parts and Battery Breakdown
- Theft
- Vandalism
- Theft from car break-ins
- and more!
We keep things simple and only offer 2 different plans.
You can change your plan anytime.
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)
"Everything Protected"
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
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)
"Everything Protected"
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
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/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






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 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
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 (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.”
Why is this protection such a good deal?
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.
Doesn't my Renter's Insurance protect me against this stuff?
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)
Does my Car Insurance cover theft from a vehicle break-in? (nope)
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.
Are APPLE STORE repairs covered?
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.
So I only pay $99 ($49 for students) when any of my items are affected by Damage or Theft?
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! 🙂
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.
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!
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 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
What is the Deductible for Phones and other items on AKKO's protection plans?
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.
What is the coverage limit?
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 🙂
Do I need to have my item receipts for coverage? What if I don't have them?
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.
What items are NOT covered by an AKKO Plan?
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.
- 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.
Does an AKKO Plan cover Lost Items and Lost Phones?
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.”
Can I add Multiple Phones to my AKKO Plan?
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!
How can I cover multiple phones? Are there deals for family packages?
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!
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 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.
Can I add items that are older or used to my protection plan?
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.
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.
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!
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 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
What is the Deductible for Phones and other items on AKKO's protection plans?
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.
What is the coverage limit?
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.
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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.
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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 🙂
Do I need to have my item receipts for coverage? What if I don't have them?
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.
What items are NOT covered by an AKKO Plan?
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.
- 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.
Does this coverage apply to damage to my Car or Motor Vehicle? What about items INSIDE my Car or Motor Vehicle?
NO. This coverage does not apply to any damage or theft or loss that affects your car or motor vehicle (such as a street scooter or motorcycle) or any items incorporated or mounted/installed on to the exterior/interior of your vehicle. You’d have to go through your Auto-Insurance for recovering losses.
However, your coverage DOES apply to items inside your car that are Damaged or Stolen so long as you provide proof of forced entry into the vehicle indicating that your doors/windows/trunk/cargo bags were closed and locked on the vehicle.
Just as with any other claims for Theft, you must also provide a copy of your filed police report.
Does an AKKO Plan cover Lost Items and Lost Phones?
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.”
Why is an AKKO Plan BETTER than Renter's Insurance?
Renter’s insurance (from Lemonade, Jetty, or other established insurance providers) typically covers losses to your property from damage or theft ONLY when you’re at home and DOES NOT cover Accidental Damage like a dropped phone or spilling coffee on your laptop.
Accidental Damage like Cracked Screens, Spills, and Drops are more than 12x as likely to happen than the losses that occur which Renter’s Policies will even cover…
Additionally, the deductibles on a Renter’s Policy for losses from damage like fires, floods, or a break-in are usually $250-$1,000…
That’s WAY higher than our $100 deductibles ($25 for students) for ANY claim filed. Whether it’s Accidental Damage, or Theft, Vandalism, or even a Fire/Flood, or natural disaster.
Plus, the cost of your renter’s or homeowners insurance coverage may also increase when you do file a claim…
Whereas the coverage you get when signing up with AKKO will never increase because you file a claim!
Why is this coverage such a good deal?
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.
Why have I never heard of AKKO before?
AKKO is a startup! But we are indeed a legitimate and insured U.S. corporation with backing from an “A” Rated insurer.
AKKO was founded in 2018 initially approved for covering college students only with our unique protection plan that protects all of your eligible personal items for only one simple and affordable monthly fee.
After working with a few large college organizations, AKKO began the process to get the same amazing protection plan approved to sell to anyone.
At the start of 2020, we soft-launched our “Everything Protected” AKKO Plan! And now we’re trying to spread the word fast so people can start protecting the stuff they care about and rely on in an affordable and easy way.
We also added our Phone-only protection plans in November 2020 for those who are only looking for phone protection that’s simple and affordable.
AKKO’s primary focus is on making protection easy and pleasant for our members.
When accidents or theft happens, the last thing you as the customer should have to deal with is MORE negativity and frustration…
With AKKO, there are:
- No hidden fees
- No long lists of protection exclusions
- No restrictions on how old the stuff is you want to protect (or whether you purchased it used)\
- No long phone waits when you file a claim or need assistance
- and no weeks or months long waits to actually get reimbursement for your losses…
We’re doing things different and are excited for you to try out our platform, get to know our company and team, and be able to say “Thank goodness I had AKKO…” when life’s bad and “oops” moments happen to you. 🙂
If I sign up now, will my phone or other item that is already broken be covered for repairs?
NO. Unfortunately that’s not how protection plans work… 🙁
If you have any items that are currently broken (cracked phone screen, water damaged laptop, etc.) then you CAN NOT sign up and then file a claim to have those items fixed.
For an item to be eligible for protection, you must:
1) have an active plan with AKKO
2) have the item’s information uploaded to your account along with pictures of it in working and un-damaged condition. This means that you’ve taken photos of the item in accordance with all instructions within your account based on the item you are adding.
Then, if something happens to any of your items in the future, they’re protected!
However, if you do have an item that’s currently already damaged, sign up for either our Phone-only protection plan or our “Everything Protected” AKKO Plan now so that the next time some mishap happens, we’ll cover it!
Is my coverage valid when I Travel or am Studying Abroad?
YES! As long as you’re a U.S. or Canadian citizen/resident with our coverage, your items are fully protected when you travel or are living/staying abroad. ANYWHERE IN THE WORLD!
The same procedures apply for filing claims if any of your items are affected by accidental damage, theft, or vandalism and AKKO can send your reimbursements to you electronically in case you’re traveling for an extended period of time.
How can I upgrade my coverage to a higher limit?
To upgrade your coverage, just email us at [email protected] for help with changing your coverage plan. We’ll update your plan and confirm the changes with the insurance company so that your plan can have a higher coverage limit to accommodate your more expensive items, or a higher per incident limit for your stuff.
For Student Plans, we have coverage limits that range from $2,000 to $6,000 per incident in increments of $1,000, all with a $49 deductible.
For Adult Plans, we currently offer plans with per incident coverage limits of $2,000 – $6,000 in increments of $1,000, all with a $99 deductible.
If you want to protect multiple phones on a single plan, you may need to upgrade your coverage with an add-on or purchase additional AKKO Plans.
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 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.
Can I add items that are older or used to my protection plan?
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.
Can I cover a Phone that is Leased or Financed?
Yes! You may cover any phone which is yours and in your possession. You do not need to have your phone paid-in-full.
Many of our customers have phones paid for on installment plans through their cellular carriers or other retailers.
When you register, the same process applies for adding your phone to your account. For uploading a receipt, just download a PDF or take a screenshot of your most recent bill/statement from the cellular carrier or retailer showing your installment payment and the type of device.
Please note that for any claim on a leased/financed phone that requires replacement of the device, the remaining balance you owe for the device will have to be fully paid off before you can receive your remaining claim reimbursement.
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 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
What is the Deductible for Phones and other items on AKKO's protection plans?
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.
Does an AKKO Plan cover Lost Items and Lost Phones?
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.”
Can I add Multiple Phones to my AKKO Plan?
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!
How can I cover multiple phones? Are there deals for family packages?
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!
What's the process for filing a claim? How long does it take for me to get my repairs/replacement?
AKKO is all about making claims easy and fast for you!
Here is the process for claims:
- Login to your AKKO account and file your claim from your phone or the web.
- A team member will reach out to you the same or next day to collect any applicable extra information, or to direct you to a nearby repair provider.
- Repairs: If your item is in need of repairs, AKKO will either pay you or a repair shop for repairs for your item(s). If funds are paid to you directly, you can receive funds via PayPal, Zelle, or a wire transfer initiated the same-day as claim approval. (many of our repair claims, such as cracked phone screens, get fully resolved within 24hrs!)
- Replacements: If your item is in need of total replacement (unrepairable or stolen), AKKO will send you a payout equal to the replacement value, or can also have a replacement item sent straight to you.
Notes:
- Your deductible is subtracted from any claim payouts. (for example, if your screen repair is $158 after tax, and the repair deductible for your phone is $49, you would receive a payout of $109)
- Claims of theft will take longer to resolve than damage claims. Police reports and proof of purchase are required and copies must be submitted to our team, the time to receive a report may vary based on where you live.
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If you have Apple devices which a local repair provider is not able to service, then you can get them taken care of at an Apple Store, we WILL NOT force you to send us your Apple devices to get repaired. Our goal is to get your items fixed/replaced ASAP
How do we determine the replacement value of your items?
If your item(s) are too extensively damaged (or were stolen) and you require a replacement device or item, our team member will find the replacement value of the item by looking at the cost of an available refurbished replacement of the same make/model/year/specs then send you a reimbursement payout.
For example, if your iPhone X was stolen or completely destroyed, we would find the value of a refurbished iPhone X and your payout would be the cost of the replacement, plus sales tax if applicable, then subtracting your plan’s deductible ($29-$99 based on your phone, or for non-phone items $99 on our “Everything Protected” AKKO Plan for adults, and $49 for students).
AKKO will not determine the value of your item based on what used iPhone X phones or other items are being sold for by random individuals online. Replacement values are only determined based off items sold by businesses. You also will not receive a payout based on the value you initially paid for your phone or any other affected item when it was new.
The same process applies to claims for other electronics and personal items on your plan which are eligible for protection.
If my phone or other items need to be completely replaced, how much money do I get to do so?
Replacements:
If your items are too extensively damaged (or were stolen) and you require a replacement device or item, we find the replacement value of the item by looking at the cost of refurbished items of the same make/model/year.
For example, if your iPhone X was stolen or completely destroyed, we would find the value of a refurbished iPhone X and your payout would be the cost of the replacement, plus sales tax if applicable, then subtracting your plan’s deductible ($29 – $99 for phones, and $99 for all other items for Adults and $49 for Students on our AKKO Plans).
We will not base the value of your item off of what used iPhone X phones are being sold for by random individuals on eBay or Craigslist. You also will not receive a reimbursement based on the value you initially paid for the phone when it was new.
The same process applies to claims for other electronics and personal items on your plan which are eligible for reimbursement.
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 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.
Can I add items that are older or used to my protection plan?
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.
Can I cover a Phone that is Leased or Financed?
Yes! You may cover any phone which is yours and in your possession. You do not need to have your phone paid-in-full.
Many of our customers have phones paid for on installment plans through their cellular carriers or other retailers.
When you register, the same process applies for adding your phone to your account. For uploading a receipt, just download a PDF or take a screenshot of your most recent bill/statement from the cellular carrier or retailer showing your installment payment and the type of device.
Please note that for any claim on a leased/financed phone that requires replacement of the device, the remaining balance you owe for the device will have to be fully paid off before you can receive your remaining claim reimbursement.
Are unlocked phones covered?
With an AKKO Plan, you may cover any phone which is yours and in your possession. It does not matter what carrier you use or if your phone is unlocked or financed. Our AKKO Plan is only $15 per month and protects your unlocked phone against Accidental Damage & Theft along with nearly all your other personal electronics and gear at no extra cost!
When you register, the same process applies for adding your phone to your account. You will take pictures of its front and back to verify its working and undamaged condition.
What is the Deductible for Phones and other items on AKKO's protection plans?
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.
What is the coverage limit?
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.
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**$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.
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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.
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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 🙂
Do I need to have my item receipts for coverage? What if I don't have them?
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.
When my items are Damaged or Stolen, what do I do?
AKKO is all about making claims easy and fast for you!
Here is the process for claims:
- Login to your AKKO account and file your claim from your phone or the web.
- A team member will reach out to you the same or next day to collect any applicable extra information, or to direct you to a nearby repair provider.
- Repairs: If your item is in need of repairs, AKKO will either pay you or a repair shop for repairs for your item(s). If funds are paid to you directly, you can receive funds via PayPal, Zelle, or a wire transfer initiated the same-day as claim approval. (many of our repair claims, such as cracked phone screens, get fully resolved within 24hrs!)
- Replacements: If your item is in need of total replacement (unrepairable or stolen), AKKO will send you a payout equal to the replacement value, or can also have a replacement item sent straight to you.
Notes:
- Your deductible is subtracted from any claim payouts. (for example, if your screen repair is $158 after tax, and the repair deductible for your phone is $49, you would receive a payout of $109)
- Claims of theft will take longer to resolve than damage claims. Police reports and proof of purchase are required and copies must be submitted to our team, the time to receive a report may vary based on where you live.
-
If you have Apple devices which a local repair provider is not able to service, then you can get them taken care of at an Apple Store, we WILL NOT force you to send us your Apple devices to get repaired. Our goal is to get your items fixed/replaced ASAP
How do we determine the replacement value of your items?
If your item(s) are too extensively damaged (or were stolen) and you require a replacement device or item, our team member will find the replacement value of the item by looking at the cost of an available refurbished replacement of the same make/model/year/specs then send you a reimbursement payout.
For example, if your iPhone X was stolen or completely destroyed, we would find the value of a refurbished iPhone X and your payout would be the cost of the replacement, plus sales tax if applicable, then subtracting your plan’s deductible ($29-$99 based on your phone, or for non-phone items $99 on our “Everything Protected” AKKO Plan for adults, and $49 for students).
AKKO will not determine the value of your item based on what used iPhone X phones or other items are being sold for by random individuals online. Replacement values are only determined based off items sold by businesses. You also will not receive a payout based on the value you initially paid for your phone or any other affected item when it was new.
The same process applies to claims for other electronics and personal items on your plan which are eligible for protection.
PHONE THEFT: For the theft of a phone to be eligible for reimbursement, you must be able to share your google location timeline to prove the last known location of the device prior to it being stolen. If you do not have the Google Maps mobile application installed on your device, you must do so in order for theft of the phone to be protected, or have a similar device tracking software/tool which is capable of displaying the last known location of a device with a timeline/history. A mobile app or tool such as iPhone’s “Find My” is not sufficient enough as it can only prove the present location of a device and cannot display a timeline/history of its location. If you have any questions regarding theft of phones or need assistance setting up a proper mobile app or tool, please contact us.
Note: if you registered prior to November 3, 2020, different terms may apply, please reference all terms and conditions.
If I sign up now, will my phone or other item that is already broken be covered for repairs?
NO. Unfortunately that’s not how protection plans work… 🙁
If you have any items that are currently broken (cracked phone screen, water damaged laptop, etc.) then you CAN NOT sign up and then file a claim to have those items fixed.
For an item to be eligible for protection, you must:
1) have an active plan with AKKO
2) have the item’s information uploaded to your account along with pictures of it in working and un-damaged condition. This means that you’ve taken photos of the item in accordance with all instructions within your account based on the item you are adding.
Then, if something happens to any of your items in the future, they’re protected!
However, if you do have an item that’s currently already damaged, sign up for either our Phone-only protection plan or our “Everything Protected” AKKO Plan now so that the next time some mishap happens, we’ll cover it!
How long does it take to receive payment for my Repairs/Replacement once my claim is approved?
After your claim is approved, we’ll transfer you funds to reimburse you for your repairs/replacement, less your deductible same-day!
What's the process for filing a claim? How long does it take for me to get my repairs/replacement?
AKKO is all about making claims easy and fast for you!
Here is the process for claims:
- Login to your AKKO account and file your claim from your phone or the web.
- A team member will reach out to you the same or next day to collect any applicable extra information, or to direct you to a nearby repair provider.
- Repairs: If your item is in need of repairs, AKKO will either pay you or a repair shop for repairs for your item(s). If funds are paid to you directly, you can receive funds via PayPal, Zelle, or a wire transfer initiated the same-day as claim approval. (many of our repair claims, such as cracked phone screens, get fully resolved within 24hrs!)
- Replacements: If your item is in need of total replacement (unrepairable or stolen), AKKO will send you a payout equal to the replacement value, or can also have a replacement item sent straight to you.
Notes:
- Your deductible is subtracted from any claim payouts. (for example, if your screen repair is $158 after tax, and the repair deductible for your phone is $49, you would receive a payout of $109)
- Claims of theft will take longer to resolve than damage claims. Police reports and proof of purchase are required and copies must be submitted to our team, the time to receive a report may vary based on where you live.
-
If you have Apple devices which a local repair provider is not able to service, then you can get them taken care of at an Apple Store, we WILL NOT force you to send us your Apple devices to get repaired. Our goal is to get your items fixed/replaced ASAP
How do we determine the replacement value of your items?
If your item(s) are too extensively damaged (or were stolen) and you require a replacement device or item, our team member will find the replacement value of the item by looking at the cost of an available refurbished replacement of the same make/model/year/specs then send you a reimbursement payout.
For example, if your iPhone X was stolen or completely destroyed, we would find the value of a refurbished iPhone X and your payout would be the cost of the replacement, plus sales tax if applicable, then subtracting your plan’s deductible ($29-$99 based on your phone, or for non-phone items $99 on our “Everything Protected” AKKO Plan for adults, and $49 for students).
AKKO will not determine the value of your item based on what used iPhone X phones or other items are being sold for by random individuals online. Replacement values are only determined based off items sold by businesses. You also will not receive a payout based on the value you initially paid for your phone or any other affected item when it was new.
The same process applies to claims for other electronics and personal items on your plan which are eligible for protection.
If my phone or other items need to be completely replaced, how much money do I get to do so?
Replacements:
If your items are too extensively damaged (or were stolen) and you require a replacement device or item, we find the replacement value of the item by looking at the cost of refurbished items of the same make/model/year.
For example, if your iPhone X was stolen or completely destroyed, we would find the value of a refurbished iPhone X and your payout would be the cost of the replacement, plus sales tax if applicable, then subtracting your plan’s deductible ($29 – $99 for phones, and $99 for all other items for Adults and $49 for Students on our AKKO Plans).
We will not base the value of your item off of what used iPhone X phones are being sold for by random individuals on eBay or Craigslist. You also will not receive a reimbursement based on the value you initially paid for the phone when it was new.
The same process applies to claims for other electronics and personal items on your plan which are eligible for reimbursement.
Are Apple Store repairs covered?
After you file a claim for your Apple devices, we’ll direct you to the closest repair provider able to handle your claim and provide repairs for your item.
If no nearby repair provider is able to service your Apple devices, you can go directly to an Apple Store or use Apple’s mail-in services for repairs. We’ll never require you to ship us your Apple devices!
We want your items fixed ASAP.
All repairs that are completed through your claims with AKKO at any repair provider are also backed by a 12 month warranty!
How can I upgrade my coverage to a higher limit?
To upgrade your coverage, just email us at [email protected] for help with changing your coverage plan. We’ll update your plan and confirm the changes with the insurance company so that your plan can have a higher coverage limit to accommodate your more expensive items, or a higher per incident limit for your stuff.
For Student Plans, we have coverage limits that range from $2,000 to $6,000 per incident in increments of $1,000, all with a $49 deductible.
For Adult Plans, we currently offer plans with per incident coverage limits of $2,000 – $6,000 in increments of $1,000, all with a $99 deductible.
If you want to protect multiple phones on a single plan, you may need to upgrade your coverage with an add-on or purchase additional AKKO Plans.
Can I get a group discount when buying multiple AKKO Plans? For my family, company, club, school, or fraternity/sorority?
Yes! We’d be happy to help you bring our amazing coverage and services to the members of your family, company, club, school, or other organization like a fraternity or sorority.
Contact us and we can easily generate a special discount code for your group.
How do I cancel my AKKO Plan?
From the “support” section in the app, you can choose the link to “cancel my plan” or email us at [email protected]
Your plan can either continue until the end of your billing cycle, or be terminated immediately and then you will receive an appropriate pro-rated refund.
How do I update my address on my account?
Please email us at [email protected] with a message saying “my new mailing address” and then put your new address. Simple! 🙂
How can I Change or Update my Credit Card on my account?
Simply login to your account and navigate to your Account Settings. Scroll down and you’ll be able to update the payment method on your account under the “Billing” section. If you need any assistance, just email “[email protected]”
To keep your info safe and secure, we only use Stripe (a leading payment processor and tech company) for all billing management.
You can also update your billing info over the phone if you prefer by calling us during business hours at: +1 (415) 523-9233
We’re open M-F from 9-5 Pacific Time.
How can I upgrade my coverage to a higher limit?
To upgrade your coverage, just email us at [email protected] for help with changing your coverage plan. We’ll update your plan and confirm the changes with the insurance company so that your plan can have a higher coverage limit to accommodate your more expensive items, or a higher per incident limit for your stuff.
For Student Plans, we have coverage limits that range from $2,000 to $6,000 per incident in increments of $1,000, all with a $49 deductible.
For Adult Plans, we currently offer plans with per incident coverage limits of $2,000 – $6,000 in increments of $1,000, all with a $99 deductible.
If you want to protect multiple phones on a single plan, you may need to upgrade your coverage with an add-on or purchase additional AKKO Plans.