Renters or homeowners insurance will not protect your items against:

Accidental damage (like drops)
Cracked screens
Spills & liquid submersion
Of course, accidents like these happen. If you drop your phone without a protection plan, you’ll be on your own for the screen replacement, which could cost up to $250. But with an AKKO plan, your coverage would nearly pay for itself within the first year!

Renters and homeowners policies do cover theft; however, your policy will typically have a $250 – $1,000 deductible. Furthermore, if you make a claim through those policies, your rates may increase because the claim gets reported and added to the equivalent of your “credit score” for insurance.

So would it ever really be worth it to make a renters insurance claim if your $800 smartphone got stolen? Probably not. But with a low-deductible AKKO plan (deductibles as low as $29 and never more than $99), the entire cost of repairing or replacing your device will be covered! Equally importantly, your rates will never go up, no matter how many claims you make.

Finally, as many people learn the hard way, auto insurance does not cover items stolen during vehicle break-ins; it will only cover damage to the vehicle itself. However, an AKKO plan will cover your items if they’re stolen or damaged in a break-in, and you’ll still only pay your deductible.

Note: Integrated car accessories or audio equipment like speakers and decks are not covered; see What’s Not Covered in our FAQ for the full list of exclusions.

In short, it’s because AKKO’s technology makes facilitating and managing protection for your stuff more efficient and less expensive. Typical insurers charge high fees on insurance and protection plans because of the work involved in processing policies and claims, plus the cost of advertising and marketing.

AKKO is changing the game by providing reliable and affordable protection that’s simple and all-inclusive. We’ve eliminated the need for you to spend money on the protection plans, extended warranties and insurance add-ons that retailers, phone companies and others use to pad their bottom lines. And because all your protection is in one place instead of being spread across multiple plans from multiple companies, the process of making a claim is drastically simpler.

We offer a variety of payment methods. We accept cash, checks, and the majority of credit cards such as Visa, MasterCard, and American Express.

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

Electronics

Phones (limit of 1 per account), laptops, tablets, smartwatches, TVs, desktop computers, monitors, etc.

Photography & Video Equipment

Cameras, lenses, accessories, tripods, gimbals, etc.

Audio & Music Gear

Speakers, electronic music instruments, DJ equipment, headphones, musical instruments, etc.

Gaming

Video game consoles, controllers, peripherals, VR, etc.

Personal Transportation (Non-Motorized)

Bicycles, scooters, skateboards, hoverboards, unicycles

Sports & Recreational Gear

Skis, snowboards, golf clubs, tennis rackets, camping/climbing equipment, etc.

Clothing & Accessories

Clothes, jackets, shoes, sunglasses, watches, jewelry, etc.

Appliances (counter-top)

Blenders, coffee makers, microwaves (counter-top), etc.

School Supplies

Textbooks, backpacks, calculators, etc.

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

Adult and Student Plan accounts protect a maximum of one (1) phone. To cover additional phones, purchase additional adult or student plans. There are no quantity limits for other personal electronics and eligible items you want to add to your account.

Multiple plans may be purchased at a discount with billing bundled together!

Cracked screens
Spills & liquid submersion
Accidental damage (like drops)
Damage & malfunctions from accidental damage/drops
Mechanical/electrical component failures (for phones)
Theft
Theft of items from an unattended vehicle via forced entry (car break-ins)