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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)

The deductibles for phones on our phone-only protection plans or our “Everything Protected” AKKO Plan range from $29 - $99 per claim based on the phone's model. $99 is also the max deductible even for theft or total replacement claims - less than half as much as most other protection providers!

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 protect one (1) phone + 25 other items, all other items besides your phone are subject to a $99 deductible ($49 for students) for any incident of accidental damage or theft.

This amount that is "deducted" from any reimbursement payout you receive exists so that you're still motivated to be careful with your stuff.

But with all of AKKO's protection plans, we've made sure to offer easily affordable deductibles for incidents of accidental damages, breakdowns, and theft, rather than the $150 - $500 deductibles you'll encounter with many other protection plans for phones, laptops, and other electronics and personal items.

Note: Deductibles for lost phones on annually paid plans are equal to the deductible for theft on the same phone model, but there is a limit of only 1 Lost phone claim covered per 12 months. Lost phone protection is not included on phone-only plans or AKKO Plans that are paid monthly.

Your protection begins at 12:01 a.m. Standard Time at the location of your property the day after your account is created and payment is current and activation is completed.

There is a waiting period of 30 days before any coverage under your membership plan begins (including protection against accidental damages, device malfunctions/failures, theft, or lost phones). In situations where ample photo/video evidence is available, and all photo verification steps have been completed for your item, this waiting period may be waived for cracked screen damages, but no other type of accidental damages, malfunctions, theft, or lost phones.

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

Photos of phones and tablets should be uploaded using the phone's own cameras (front and rear) to provide pictures of the front (screen) and back sides of the device by taking the photos in front of a mirror. A photo of the phone's "About" page in settings should also be provided by using another device (do not provide a screenshot) and the serial # of the device should be visible on the screen, as well as the entire front of the phone being visible.

Photos of laptops and computers should be taken by including a photo of the device with the screen powered on and also displaying the "about" page showing the specs and serial # of the computer.

Photos of TVs should also be taken where the screen is powered on and displaying video/image. Also include photo of the serial #. For gaming consoles, be sure to include photos that show the device powered on with image/video visible on a display. Do not just include photos of the gaming console itself if it has no screen.

NOTE: For phones, mechanical/electrical issues are covered regardless of when you purchased the phone and whether it was purchased used, new, or refurbished. It just needs to be undamaged and fully functional at the time you register. For all other items, the below conditions apply.

Our AKKO Plan ($15/month plan that protects 1 phone + 25 items) includes a mechanical/electrical components failure protection guarantee for all your portable electronic devices (such as laptops, tablets, smartwatches, and headphones) and TVs that lasts for 36 months from the date of purchase of each device.

Portable electronic devices and TVs you add to your AKKO account for this protection must have been purchased "new" by you either within the 120 days prior to your registration, or anytime after you registered your plan. You must upload your purchase receipt with each device you wish to have this protection to your AKKO account.

It's basically like having FREE 3-year mechanical warranties on all of your portable electronic devices and TVs!