AKKO Cell Phone Insurance Review

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Contributor, Benzinga
June 27, 2022
Overall Rating:
securely through AKKO's website

If you’re grinding your way through four years of college — or parenting a college kid or teenagers of your own — you’ve heard the adage “It’s fun until someone gets hurt. Then it’s hilarious.” Accidents happen, and when a tech device is involved, the catastrophe takes on exaggerated proportions. Add a side hustle, and the disaster is complete. 

What’s a harried parent, frantic coed or over-extended entrepreneur supposed to do? Everything revolves around cell phone access. And if you don’t have the ready cash for a replacement, life grinds to a screeching halt. 

Tech calamities fell the strongest champions, but AKKO’s cell phone insurance plans turn fiascos into fun.

If you’re like most Americans, your tech devices number in the double digits. AKKO’s plan protects your phone — or a family members’ phone — and 25 other items that matter to you and your loved ones. With each phone you insure, you can cover electronics like laptops, tablets, smartwatches, FitBits, TVs, AirPods, desktop computers, monitors, calculators, cameras, lenses, accessories, tripods, gimbals, speakers, electronic music instruments, DJ equipment, headphones, musical instruments, video game consoles, controllers, peripherals and virtual reality devices and more. Items like bicycles, scooters, skateboards, hoverboards, unicycles, skis, snowboards, golf clubs, tennis rackets, camping equipment, clothing, jewelry, small appliances, textbooks or backpacks can be among your protected 25.

Now you get your first month free with AKKO:

  • Cover up to 25 devices for $15/mo
  • Any devices covered-new or used 
  • Full damage and theft protection
  • Easy and fast same-day repairs
  • Unlimited claims- Up to $2,000 per claim
Best For
  • People watching their pennies
  • Heavy users of tech aka pretty much everyone
  • Families and students looking for discounts
  • Those dependent on devices for work
  • Low monthly premiums
  • Coverage of other electronic devices included
  • Multi-policy discounts
  • Student discounts
  • Stipulations on lost phone coverage
  • Replacement value determined by AKKO

AKKO Ratings at a Glance

AKKO Products and Protection

Not to sound like the most pessimistic of grandmas, but what can go wrong, will go wrong. Who has not experienced:

  • Cracked screens
  • Spills and liquid submersion
  • Accidental damage 
  • Phone getting dropped
  • Charging port failure
  • Tech malfunctions 
  • Volume issues
  • Mechanical/electrical component failures for phones
  • General theft
  • Theft of items from an unattended vehicle via car break-ins

Since its introduction in 2019, AKKO cell phone insurance has continued to gain attention for its consistently affordable prices. Coverage options for mobile phone insurance start as low as $5 a month, making AKKO one of the best providers for anyone on a budget. 

What sets AKKO apart from other cell phone insurance carriers is how it manages claims. Instead of automatically receiving a replacement device, AKKO gives you the cash based on the replacement value of the device less the deductible. Similarly, if you need your phone repaired, AKKO sends you the cash value of the repairs or pays the repair shop directly. 

AKKO provides consumers with a choice between two plans — Phone Only plans and Everything Protected Plans. In both , your phone is covered in the case of cracked screens, liquid damage, accidental damage, drops, theft, vandalism or damages resulting from natural disasters like fire and floods.

The Everything Protected plan provides coverage for up to 25 other electronic devices. Protection includes tablets, laptops and video games that belong to the policyholder. 

In terms of cost, the Phone Only plan starts at a low rate of $6 to $12 per month or $5 to $11 per month if you pay for the entire year upfront. Deductibles vary depending on the phone's make, model and year. Additionally, repair deductibles range from $29 to $75, and replacement deductibles are anywhere from $75 to $99.

When you pay for the whole year upfront under the Everything Protected plan, your deductible ranges from $120 to $168. If you pay the premium rate per month, it starts at $6 to $12. 

Each plan is on a per individual status and only covers items the account holder owns. Every account is eligible to have up to one phone on them. The account owner purchases an additional Phone Only or Everything Protected AKKO plan to add more phones.

The plans benefit entrepreneurs in the gig economy. If you are looking for simple protection for your business devices, you need not look further. AKKO offers total protection, affordable pricing and fast and easy claims. You can keep your team on track and always remain online with AKKO for Business. Coverage includes any device, new or used, total damage, breakdown and theft protection, easy and fast local repairs, unlimited claims and electronic claims payout. You can request a quote on AKKO's website today. 

Phone protection plans with AKKO receive a 5 out of 5 stars. The programs are comprehensive, making it the Best Cell Phone Insurance since 2021. 

AKKO Customer Service

AKKO’s down to connect with you, and the company makes it easy to get in touch. Customers can speak with a representative via online chat, text or email with various ways to contact AKKO. The fastest way to talk with someone is by using the online chat feature. You are directly in contact with an AKKO team member who is ready to assist you. Customer service response time is prompt, and team members dedicate themselves to helping customers. AKKO's customer service rating is 5 out of 5 stars.

AKKO Cell Phone Insurance Pricing

Because of its coverage of personal items with solid protection plans that are affordable, AKKO cell phone insurance is quite possibly the best cell phone insurance available. Depending on what plan customers pick, they can include all personal items on their account and switch on and off their plan whenever they upgrade, buy or sell. Deductibles range from $29 to $99 per claim. It sits at 5 out of 5 stars.

AKKO Benefits

AKKO cell phone insurance allows customers to enjoy a level of freedom that isn't achievable with a cell carrier's insurance plan or other third-party plans. Some of the top benefits of AKKO insurance plans are:

  • Insurance for refurbished and used phones
  • Ability to file unlimited claims
  • Lower monthly rates and deductibles

Cell carriers aim to purchase the newest phone on the market most of the time instead of saving money with a refurbished device. This is why they usually only offer phone protection for new appliances. If a customer uses a refurbished or hand-me-down phone, they likely already know how difficult it can be to get a phone insured. 

AKKO enforces the notion that no matter what kind of phone a customer has, it deserves the same protection as any other device. Customers can insure any phone with the same level of protection whether it is a hand-me-down or from a third-party source.

Compared with a vast majority of cell phone policy carriers and insurance providers, customers can see that only a limited number of claims can occur in one calendar year. Generally, this number ranges from one to three and can be problematic if an entire family is on a family plan or bundle. Since accidents happen, families with multiple phones on the same plan likely need access to more yearly claims in opposition to what most insurance companies can offer. AKKO eliminates the stresses of this because it accepts unlimited claims throughout the year.

One of the most attractive features of AKKO is pricing. Phone coverage starts as low as $5 per month. Furthermore, AKKO keeps deductibles low, starting at $29 per claim and never going above $99. 

User benefits of AKKO earn a rating of 5 out of 5 stars. 

AKKO User Experience

AKKO user experience is also at the top of ratings. Customer testimonials vouch for the company's simple, fast, reliable and dedicated solutions. It is coverage simplified. An AKKO plan offers coverage plans to simplify protecting all the items a customer uses and cares about the most. Any electronics from phones and laptops, photography and music equipment, bikes, skateboards, sports gear, clothes and shoes. AKKO's user experience rating is 5 out of 5 stars. 

Compare Cell Phone Insurance 

If you look at AKKO insurance competitors, like SquareTrade and Assurion, prices, deductibles, coverage lengths, replacements allowed and other features vary. SquareTrade charges $8.99 per month, and Protectyourbubble.com is $5.99 or more a month. Deductibles for Square Trade and Protect Your Bubble.com are either $149 or $75 to 150, respectively. These companies can't compare or keep up with AKKO's prices and services.  

  • securely through AKKO's website
    securely through AKKO's website
    Best For:
    Family and Student Discounts
    Read Review

AKKO Cell Phone Insurance Overall

 AKKO's overall rating is 5 out of 5 stars. It is evident that AKKO's prices are affordable, its services are second to none, and customers are content with its insurance plans. AKKO sucks the worry out of owning tech devices and other beloved possessions, leaving you the opportunity for full enjoyment of items you worked hard to buy.

Frequently Asked Questions


What does AKKO cover?


AKKO Plans cover one phone and just about any everyday personal items like electronics, clothes and many other items. Customers can select one phone and any 25 of their eligible belongings to load into an AKKO account for optimum protection. 


Is it worth it to have cell phone insurance?


Yes. Cell phones are fragile, expensive and easy to damage. Replacing or repairing a phone may cost hundreds of dollars. Cell phone insurance for a smartphone can significantly reduce your costs. 

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