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Frequently Asked Questions

If you have any questions that aren’t covered here, click the blue chat icon in the bottom right corner of the screen to get in touch with us 🙂

Here are the key differences between our “Phone-Only” plans and our “Everything Protected” AKKO Plan:

  • “Phone-Only” plans cover just your 1 phone

  • “Everything Protected” AKKO plans covers 1 phone PLUS 25 additional items.

The “Everything Protected” AKKO allows you to select, add, and protect one (1) phone + any 25 of your eligible belongings into your AKKO account. You can swap items in and out of your AKKO plan whenever you’d like!

Here are the current eligible items:


  • Laptops

  • Tablets

  • Smartwatches

  • TVs

  • Desktop computers

  • Monitors

  • Pen displays (i.e. Cintiq)

  • Phones disconnected from cell service are only covered if you purchase a Phone-Only or AKKO Everything Protected plan for the device

Photography & Video Equipment

  • Cameras

  • Lenses

  • Accessories

  • Tripods

  • Gimbals

Audio & Music Gear

  • Speakers

  • Electronic music instruments

  • DJ equipment

  • Headphones

  • Musical instruments


  • Video game consoles

  • Video game controllers

  • Peripherals

  • VR sets

  • Custom built gaming computers are covered, but all pieces of the device must be listed as individual items within an AKKO Everything Protected plan

Personal Transportation (Non-Motorized)

  • Bikes

  • Scooters

  • Skateboards

  • Unicycles

  • 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.

Sports & Recreational Gear

  • Skis

  • Snowboards (only from theft and accidental damage due to mishandling from airline transportation)

  • Surfboards (only from theft and accidental damage due to mishandling from airline transportation)

  • Golf clubs

  • Tennis rackets

  • Camping/climbing equipment

  • Workout equipment (only from accidental damage and theft)

Clothing & Accessories

  • Clothes

  • Jackets

  • Shoes

  • Sunglasses

  • Watches

  • Jewelry

Appliances (only counter-top):

  • Blenders

  • Coffee makers

  • Microwaves

  • Juicers

  • Mini fridges (if not built into cabinets)

Handheld/Portable Electronic Power Tools – (only covered from accidental damage and theft)

  • Robot vacuums

  • Handheld drills

  • Circular saws

  • Jigsaws

  • Sanders

  • Routers

School Supplies

  • Textbooks

  • Backpacks

  • Calculators

NOTE: All plans are per individual and will only cover items owned by the plan holder. Individual plans cannot be shared with family or friends.

Adult and Student Plan accounts protect a maximum of one (1) phone. To cover additional phones, please purchase additional adult or student plans. There are no quantity limits on 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 Failures of components (see terms)

  • Theft

  • 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 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 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 for incidents of accidental damages, breakdowns, and theft, rather than the $150 – $400 deductibles seen on many other protections plans for phones, laptops, and other electronics and personal items.

Note: Deductibles for lost or unrecoverable phones are equal to the deductible for theft on the same phone model, but there is a limit of only 1 lost/unrecoverable phone claim covered per 12 months. Location tracking must be enabled in the AKKO Mobile App and set to “Always allow” on both iPhones and Android phones to be eligible for coverage for phones that are stolen, lost, or unrecoverable.

Phone-only Protection Plan Limits:
If you have a phone-only protection plan ($6-$12/mo), the limit of protection is capped at the replacement cost value of your phone at the time of your claim for each claim you file. But there is no limit on how many claims you may file or any lifetime limit that AKKO will pay out!

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) anytime the device is damaged or stolen, no matter how many times it may be. There is no limit on the number of claims you may file and our plans are a subscription, so there is no “term length” (unlike a warranty which may be 1-3yrs). So your phone can be covered forever!

“Everything Protected” AKKO Plan Limits:

For our “Everything Protected” AKKO Plans ($15/month for adults, $14 for students) there is a protection limit of $2,000 PER INCIDENT** for any item. 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. This means that if your laptop is stolen and costs $1,200 to replace at the time of the claim, you’ll be reimbursed $1,200 (plus any applicable sales tax or shipping) less your deductible. You would not be reimbursed $2,000.

**$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 🙂

It is not a requirement to have receipts for the items you want to cover on your plan. While preferred, you can establish “proof of ownership” of your items through other means.

For example, the pictures we have you take of your items when you add them to your account work great for providing this “proof of ownership”!

Especially, for claims of accidental damage, copies of your purchase receipts are typically not requested.

For theft claims, the insurance company prefers to have you show a copy of your stolen items’ purchase receipts. This is the quickest way for them to establish that you did in fact “own” the items you’ve claimed have been stolen.

However, if you no longer have copies of your receipts, your photos of the items uploaded to your account can usually suffice. As a best practice, keep track of your receipts! Have copies emailed to you when you purchase items, or take pictures of receipts and email them to yourself or make a habit of immediately uploading them to your AKKO account.

You can also try to contact the original seller/retailer you purchased items from as often they will have records going back a year or two 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.

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 purchase receipt! Including if you paid for items in cash.

We do not cover furniture.

We do not cover drones, automobile, motorcycle, boat, motor, aircraft or aircraft parts.

We do not cover any type of motorized land vehicle or other conveyances.


AKKO does not cover:

  • Car electronics, including car stereos, GPS navigation devices, keyless entry

  • Drones


AKKO does not cover:

  • Jewelry, including watches, rings, and other items consisting of gold, silver, platinum, or furs limited to $1,000 for any one incident of loss

  • Money (currency or coin), evidences of debt, letters of credit

  • Forms of identification, including student ID’s, driver’s licenses, passport documents, notes, securities, transportation tickets or other tickets

  • Pharmaceuticals (prescription or over-the-counter)

  • Artwork (professional or amateur), antiques, collectables

  • Animals

  • Firearms or ammunition

  • Salesman samples

  • Contact lenses

  • Keys

  • Artificial teeth or limbs

  • Merchandise for sale


AKKO does not cover:

  • Motorized transportation vehicles, including e-bikes.

  • Bicycles costing over $1,000

  • Property from personally owned vehicle (unless stolen with evidence)

Small Appliances

AKKO does not cover:

  • Wall-mounted appliances

  • Appliances integrated into cabinetry

  • Appliances with Utility Hookup (Gas, water)

  • Gas-powered Tools

  • Electronic Power Tools are only covered against accidental damage/theft


AKKO does not cover:

  • Surfboards from general use/handling, accidental damage from non-airline transportation)

  • Workout equipment from general use/handling)

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, or it is unrecoverable such as falling into a lake).

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 have location tracking fully enabled in the AKKO Mobile App. You will be prompted to enable all settings when you iniitally setup your account and add your phone to your plan. Ensure location tracking is set to “Always allow” in your settings.

If you have an Android device:

Make sure Find My Device is also 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 or help you try and recover it. Instead, 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:

You will have to have location tracking fully enabled in the AKKO Mobile App if your phone or another item is stolen and you wish to seek reimbursement for a replacement under your plan’s reimbursement benefits.

The protection you get with one of AKKO’s protection plans will cover theft of any item if indicated in your plan overview and inclusions, but it will only cover one (1) incident of “mysterious disappearance” of a phone per 12 month period and be subject to the same replacement/theft deductible for your phone model as indicated in your account or on AKKO’s website under all other phone deductibles.

Plans cannot be shared with friends, family members, or anyone else. All plans are per individual and will only cover items that the account holder owns.

All accounts may have up to one (1) phone on them. To add more phones, you must purchase additional plans – either phone-only or an “Everything Protected” AKKO Plan.

New Customers:
– Purchase “Everything Protected” AKKO Plans for your family/group: CLICK HERE
– Purchase multiple Phone-only protection plans: CLICK HERE

Current Members:
– Contact our billing team via Chat or email [email protected] to add additional plans for new members/devices

– Did you already register multiple plans? Remember, each phone has its own login. Be sure to have each member of your group/family login to their own account using their own cell phone number to activate and register their protection. (more info)

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/unrecoverable phones.

Be sure to follow all instructions within your account for adding photos and information for your items.

Photos of phones 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. Follow all instructions and examples provided in the AKKO Mobile or Web App. For tablets, a photo of the tablet’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 tablet 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. The entire screen should be visible in this photo.

Photos of TVs should also be taken where the screen is powered on and displaying video/image. It is required to provide a photo of the serial # displayed on the TV’s screen which can be accessed in the TV’s settings.

For gaming consoles, be sure to include photos that show the device powered on with image/video visible on a display. It is required to provide a photo of the serial # of the gaming device displayed on its own screen, or an external TV/display. This can be found in the gaming device’s settings. Do not just include photos of the gaming console itself if it has no screen, it must be plugged into a TV/display.


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 against accidental damages and theft.

NOTE: for electronics, parts failures are only covered for devices that were purchased new and within 120 days after you enroll with AKKO (except for phones). Older items ARE still covered for accidental damage and theft as long as they are undamaged and fully functional! (see more info 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.

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 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 warranties on all of your portable electronic devices and TVs!


For any of your portable electronic devices or TVs which 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 starting from 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 then re-enroll with AKKO at a later point in time.