Coverage, Simplified.

Protecting your stuff should be easy, trustworthy, and affordable. 

That’s why we started AKKO. Our plans protect all the personal items and equipment you care about and use most against Accidental Damage & Theft.

Add your phone, laptop, & electronics – along with all other items you care about or rely on, like your bike, surfboards, or music & photography gear.

With all your items protected on one plan, you’ll pay way less compared to any other insurance or protection plan products available.

No matter your passion, we protect it all.

Coverage, Simplified.

Our Solutions

Channels to cover all interests and all property.

Click for more info:

Any Personal Items Protected

With any AKKO Plan, you get coverage for any 25 items you choose to add to your plan. No extra charges.

Not only are your common personal items covered like phone, laptop, and electronics; you can include all sorts of specialty items as well.

  • Phone, Laptop, & All Electronics
  • Gaming consoles & gear
  • Music Instruments & Audio Gear
  • Photography Equipment
  • Ski, Snow, & Surf Gear
  • Sports Equipment

ANY 25 items Protected!

surfboards

With any AKKO Plan, you get coverage for any 25 items you choose to add to your plan. No extra charge.

Not only are your common personal items covered like phone, laptop, and electronics; you can include all sorts of specialty items as well.

  • Phone, Laptop, & All Electronics
  • Gaming consoles & gear
  • Music Instruments & Audio Gear
  • Photography Equipment
  • Ski, Snow, & Surf Gear
  • Sports Equipment
  • Cracked Screens
  • Spills & Liquid Submersion
  • Accidental Damage (like drops)
  • Damage & Malfunctions from Accidental Damage/Drops
  • Theft & Vandalism
  • Theft of items from an unattended vehicle
  • Fire, Flood, & Natural Disasters
  • Power Surge by Lightning

Any 25 – 40 of your belongings that you choose to add to your plan! (based on travel vs. regular plans)

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:
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

Drones + peripherals/accessories

——————————-
As long as an item isn’t listed under “What items are NOT covered” in the FAQ section, then it is eligible to be added to your plan!
—————————–

All coverage plans are backed by Allmerica Financial Benefit Insurance Company, a member of The Hanover Insurance Group (est. 1852). This American insurance company has a long history of protecting the property of individuals from unforeseen damages and theft and has maintained an “A” (Excellent) rating from A.M Best Company for years. The Hanover Insurance Group is a $5 Billion U.S. publicly traded company and currently backs the coverage of over 500,000 people nationwide!

AKKO serves as a facilitator of this insurance coverage with added enhancements for our users that are unique to our platform as well as a simpler and faster process for being able to get your stuff covered and process claims faster and better.

Yup!  Just submit the invoice/quote from your Apple Store repairs with your claim. 

You can also take your Apple products to be repaired elsewhere.  Whatever is most convenient for you based on your location.

Join thousands of other customers

and enjoy awesome, simple, affordable coverage.

“It’s kind of a no-brainer, way cheaper than AppleCare.”

5/5

“There’s no such thing as surfboard insurance, so the fact this covers all my boards is amazing.”

5/5

“I once went through AT&T when my iPhone screen cracked, it took weeks to get resolved. AKKO took only a few days.”

5/5
  • Virtual Inspect Tool
  • Upload Receipts
  • 50GB Cloud Storage
  • File claims
  • 5 day payout
  • Live Support

Easily Accessible,
Simple to Use

Manage everything through our web-app on mobile or desktop (no app downloads needed).

Activate your account within 5 minutes. Then add your items, upload pictures of them, and they’re covered!

  • Virtual Inspect Tool
  • Upload Receipts
  • 50GB Cloud Storage
  • File claims
  • 5 day payout
  • Live Support

Coverage 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! 🙂

Basics

Most frequent questions and answers

  • Cracked Screens
  • Spills & Liquid Submersion
  • Accidental Damage (like drops)
  • Damage & Malfunctions from Accidental Damage/Drops
  • Theft & Vandalism
  • Theft of items from an unattended vehicle
  • Fire, Flood, & Natural Disasters
  • Power Surge by Lightning

Any and all of your belongings! 

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:
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

Drones + peripherals/accessories

——————————-
As long as an item isn’t listed under “What items are NOT covered” in the next section, then it is eligible to be added to your plan!
———————————

Limitations:

The AKKO College Base Plan ($9/month) includes $2,000 of coverage PER INCIDENT*. There are no annual coverage limits or a limit on the number of claims you may file. 

*$2,000 of coverage PER INCIDENT means that if next week on Monday your phone is stolen, up to $2,000 is covered for you to replace your phone. 

If the next day on Tuesday you drop your laptop and the screen is smashed, up to $2,000 is covered for you to repair it.

Even if that same day, Tuesday afternoon, you also drop your sunglasses and the lenses crack, up to another $2,000 is covered for you to repair or replace them.

This demonstrates PER INCIDENT coverage. And there’s no limit on how much can be paid out for mishaps of Accidental Damage or Theft each year, or even each month, week or day.

HOWEVER, if during a single incident someone steals your entire backpack, filled with your phone, laptop, and sunglasses, up to $2,000 total is covered to replace all those items and any other contents of your backpack, plus the backpack itself.

Higher PER INCIDENT coverage limits are available! 

Once you’re registered, you can upgrade your coverage to a PER INCIDENT coverage limit as high as $10,000! But for a more common $3,000 – $5,000 PER INCIDENT coverage limit upgrade, it’s only a couple more dollars per month 🙂

The $2,000 of PER INCIDENT coverage is more than enough for the majority of college students based on our studies and the claims rates of currently covered students nationwide. But for students 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. Plus you can change your coverage limit whenever you like, upgrading or downgrading, and pay a pro-rated adjusted amount.

Feel free to Contact Us with any questions!

—-
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.

 

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 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 $50 – $400 deductibles on most other protection plans for phones, laptops, and other items.

All of our AKKO Base Plans (college, travel, member, or other) include $2,000 of coverage PER INCIDENT**. There are no annual coverage limits or a limit on the number of claims you may file. 

**$2,000 of coverage PER INCIDENT means that if next week on Monday your phone is stolen, up to $2,000 is covered for you to replace your phone. 

If the next day on Tuesday you drop your laptop and the screen is smashed, up to $2,000 is covered for you to repair it.

Even if that same day, Tuesday afternoon, you also drop your sunglasses and the lenses crack, up to another $2,000 is covered for you to repair or replace them.

This demonstrates PER INCIDENT coverage. And there’s no limit on how much can be paid out for mishaps of Accidental Damage or Theft each year, or even each month, week or day.

HOWEVER, if during a single incident someone steals your entire backpack, filled with your phone, laptop, and sunglasses, up to $2,000 total is covered to replace all those items and any other contents of your backpack, plus the backpack itself.

Higher PER INCIDENT coverage limits are available! 

Depending on your plan, once you’re registered, you can upgrade your coverage to a PER INCIDENT coverage limit as high as $10,000! But for a more common $3,000 – $5,000 PER INCIDENT coverage limit upgrade, it’s only a couple more dollars per month 🙂

The $2,000 of PER INCIDENT coverage is enough for the majority of users. 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. Plus you can change your coverage limit whenever you like, upgrading or downgrading, and pay a pro-rated adjusted amount.

Feel free to Contact Us with any questions!

—-
Other Limitations:
1. Coverage for jewelry, watches, rings, and other items consisting of gold, silver, or platinum or furs is limited to $1,000 for any one Loss.

2. Coverage for bicycles is limited to $1,000

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 🙂

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.

  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.

Your coverage begins 12:01AM the day after your account has been activated, following your payment and registration.

As soon as your items are added to your account along with their pictures, they’re fully protected!

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.

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 $25 deductible for ANY claim filed ($99 deductible for adult non-travel plans). 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 College Coverage WILL NEVER increase because you file a claim!

Claims & Other

Claims info & other frequent questions.

All coverage plans are backed by Allmerica Financial Benefit Insurance Company, a member of The Hanover Insurance Group (est. 1852). This American insurance company has a long history of protecting the property of individuals from unforeseen damages and theft and has maintained an “A” (Excellent) rating from A.M Best Company for years. The Hanover Insurance Group is a $5 Billion U.S. publicly traded company and currently backs the coverage of over 500,000 people nationwide!

AKKO serves as a facilitator of this insurance coverage with added enhancements for our users that are unique to our platform as well as a simpler and faster process for being able to get your stuff covered and process claims faster and better.

Simply log-in to your account and go to the “Claims” section. File a new claim and select the items that have been affected by damage or were stolen. You’ll have to provide an account of what happened along with proof of ownership if the item costs over $100.

Proof of ownership is provided by a purchase receipt or evidence of a purchase transaction. You may be able to contact a retailer or the seller of an item you bought an item from for a copy of a receipt or proof of purchase if you do not have one. In addition, you’ll have to provide pictures of the damages to your items, if applicable.

For all incidents of Theft and Vandalism, a police report is required to process your claim and receive repairs/replacement of your items. Online reports are accepted for any theft or vandalism valued LESS than $1,000. If the cost to repair/replace your items from theft or vandalism exceeds $1,000 then you need a copy of the physical report.

Once your claim is approved, AKKO College Coverage members have the premium benefit of receiving $ electronically INSTANTLY!

Normally you’d have to wait up to two weeks depending on the items affected and the incident if you were going through an average insurer or protection plan.

The amount of time resolving your claim will vary based on what type of claim you’re making and what types of items were affected. (For example, an incident of theft in your dorm or apartment will take longer than solving your reimbursement for a cracked phone screen.)

Repairs:
If you have an Apple device, repairs can be done at your local Apple Store. For most other claims involving non-Apple products, you’ll need to take your items to a local repair shop that can provide the services needed. 

For items items taken to a store near you, once an estimate is received, the staff handling your claim would then approve a cash payout to you for the cost of the repairs or to purchase a replacement item if the damage is too extensive.

Any independent repair services must be approved by a claims representative for you to be reimbursed by your coverage plan. After filing a claim, you will receive an email regarding your claim and instructions for proceeding to have your items repaired or replaced. 

YES! As long as you’re a US citizen/resident with our coverage, your items are fully protected when you travel or are living/staying abroad. ANYWHERE IN THE WORLD!

The same procedure applies for filing claims if any of your items are affected by accidental damage, theft or vandalism.

Choose Plan:

To sign-up for the College Plan, you must be an incoming college student, current college student, or recent graduate. Students at any 2yr, 4yr, or graduate school are all eligible. Any age.

To register for an AKKO Plan, you must have a U.S. mailing address.