Protect any phone against damage, breakdowns, and theft.
Protect unlimited devices (business and personal).
What does a Protection Plan protect me from?
What is the deductible on a Protection Plan?
The deductibles for phones on our phone-only protection plans or our “Everything Protected” Phone Plan range from $x – $xper claim based on the phone’s model. $x is also the max deductible even for theft or total replacement claims – less than half as much as most other protection providers!
If you have one of our “Everything Protected” Phone Plans, which protect one (1) phone + 25 other items, all other items besides your phone are subject to a $x deductible ($x 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.
Does my Protection Plan cover lost items and lost phones?
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).
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, you must be able to share the location timeline of the device.
If you have an Android device:
Make sure Find My Device is 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. 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: https://www.google.com/maps/timeline
You will only need to show us your location history if your phone is stolen. Your location data will not be used for any purpose other than to verify your claim.
The protection you get with a Phone Protection Plan will cover theft of any item, but it will only cover “mysterious disappearance” of phones for customers who have signed up for an annual payment plan. The deductible for a lost phone for those on annual plans ranges from $x to $x, depending on the make and model.
Can I add multiple phones to my Protection Plan?
Plans cannot be shared with friends, family members, or anyone else. All plans are per individual and will only cover items that the account holder owns.
All accounts may have up to one (1) phone on them. To add more phones, you must purchase additional plans – either phone-only or an “Everything Protected” Phone Protect Plan.
What's the process for filing a claim? How long will it take for my repair or replacement?
If your items are too extensively damaged (or were stolen) and you require a replacement device or item, we offer a few flexible options to best suit your preference!
1) We can send you instant cash (via PayPal, Zelle, or Check) for a refurbished replacement of your device.
2) If no replacement value can be found for your item, we would send you the funds for the value of a newer model/available.
3) Instead of cash, we can send you a refurbished device listed in very good condition.
4) Instead of cash, we can send you a newer/different device model and you pay the difference for any upgraded model.
As a general note, we find the replacement value of the item by looking at the cost of refurbished items of the same make/model/year. Check out Backmarket.com and Swappa.com to see the present value of your phone model or other devices.
For example, if your iPhone X was stolen or completely destroyed, we would find the value of a refurbished iPhone X and your payout would be the cost of the replacement, plus sales tax if applicable, then subtracting your plan’s deductible ($x-$x based upon your plan and item). This is in reference to option “1)” above if you wanted instant cash.
We will not base the value of your item off of what used iPhone X phones are being sold for by random individuals on a site like OfferUp or Craigslist. You also will not receive a payout based on the value you initially paid for the phone when it was new, unless no replacement can be found.
The same process applies to claims for other electronics and personal items on your plan which are eligible for coverage.
When does my coverage take effect?
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 up to 30 days for accidental damages or theft to be eligible for reimbursement from your plan. In situations where ample photo/video evidence is available when reviewing your reported loss and claim, this waiting period may be waived for losses from accidental damages.
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.
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.
Can I add items that are older or used to my protection plan?
Your items are eligible for coverage through us regardless of their age, where they were purchased, or whether they were purchased new or used.
For items purchased used or through a third-party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, you will need to contact the seller and request an emailed statement that identifies the item, the date it was purchased, and the amount paid. This can suffice as a purchase receipt if you need to provide one during a claim. This also applies to items that you paid for in cash. If you paid for the item via Venmo, PayPal or another payment app, you can take a screenshot of the payment.
Can I cover a phone that is leased or financed?
You may cover any phone that is yours and in your possession. It does not need to have been paid for in full.
Many of our customers buy phones on installment plans through their cellular carriers or other retailers.
When you register, you’ll go through essentially the normal process to add a financed phone to your account. The only difference is that instead of uploading a receipt, you’ll just need to download a PDF or take a screenshot of your most recent bill/statement from the cellular carrier or retailer showing your installment payment and the type of device.
Please note that for any claim on a leased/financed phone that requires device replacement, the balance you owe for the device will have to be paid off fully before you can receive your remaining claim reimbursement.
Are unlocked phones covered?
With a Phone Protection Plan, you may cover any phone which is yours and in your possession. It does not matter what carrier you use or if your phone is unlocked or financed. Our Phone Protection Plan is only $x per month and protects your unlocked phone against Accidental Damage & Theft along with nearly all your other personal electronics and gear at no extra cost!
When you register, the same process applies for adding your phone to your account. You will take pictures of its front and back to verify its working and undamaged condition.
What if I want to sign up for Protection Plan but my phone is already broken?
We require that your phone be in undamaged and in full working condition at the time you sign up for one of our plans.
What items are covered by a Protection Plan?
Your Protection Plan covers just about any everyday personal item, from electronics to clothes to sports gear and much more. Select one (1) phone + any 25 of your eligible belongings for protection. You can swap items in and out of your protection plan whenever you’d like!
Phones, laptops, tablets, smartwatches, TVs, desktop computers, monitors, etc.
Photography & Video Equipment
Cameras, lenses, accessories, tripods, gimbals, etc.
Audio & Music Gear
Speakers, electronic music instruments, DJ equipment, headphones, musical instruments, etc.
Video game consoles, controllers, peripherals, VR, etc.
Personal Transportation (Non-Motorized)
Bikes, scooters, skateboards, unicycles
Sports & Recreational Gear
Skis, snowboards, surfboards, golf clubs, tennis rackets, camping/climbing equipment, etc.
Clothing & Accessories
Clothes, jackets, shoes, sunglasses, watches, jewelry, etc.
Blenders, coffee makers, microwaves and other appliances, including those pre-furnished in dorms/apartments/homes you’re living in
Handheld/Portable Power Tools
Handheld drills, circular saws, jigsaws, sanders, routers, etc. (covered only against accidental damage and theft)
Textbooks, backpacks, calculators, etc.
NOTE: All plans are per individual and will only cover items owned by the plan holder. Plans cannot be shared with family or friends.
What is the coverage limit?
Base Plans ($/month for adults, $ for students) include $ of reimbursement protection per incident**. There are no annual reimbursement limits or limits on the number of claims you may file.
**$ PER INCIDENT means that, for instance, if you just replaced your broken phone with us and your new phone is stolen the following week, the replacement value of your phone will be covered in full (after deductible) as long as that amount is less than $2,000.
If at another point in the same year you drop your laptop and the screen is smashed, the repair cost or replacement value of the laptop will be fully covered (after deductible) as long as it’s less than $.
In short, there is no annual limit to your claims and reimbursement, and every incident is covered individually.
However, if during a single incident someone steals your entire backpack, which contains both your phone and laptop, up to $total is covered to reimburse you for replacing those items and any other covered contents of your backpack (including the backpack itself). Even if the combined replacement cost exceeds $2,000 for all these items, your coverage will pay out a maximum of $.
Higher per-incident coverage limits are available!
Once you’re registered, you can upgrade your coverage to a per-incident reimbursement limit as high as $10,000! Our most common per-incident upgrade is $ – $ which adds only a few dollars to your monthly premiums.
Our studies and claims data show that the $ per-incident limit is more than enough for the majority of users. That said, if you would like to cover more expensive items like a high-end laptop, specialty photography or music gear, etc., we offer an easy option to upgrade your limit. Simply contact us via the “billing” section of your account to initiate an increase to your per-incident limit.
NOTE: All plans are per individual and will only cover items that the individual owns. This means that if you file a claim, you must have proof that you are the owner of the item.
Do I need my item receipts for coverage? What if I don't have them?
For accidental damage claims, we do not require the original purchase receipts for the items you want to protect on your plan. While the receipt would be preferred, you can establish proof of ownership through other means.
For items purchased used or through a third-party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, you may request an email be sent to you by the seller stating what you bought, when you bought it, and how much you paid for it. If an item was gifted to you, you may need to ask the gift giver for a statement that says as much.
For theft claims, proof of purchase will need to be provided. If you don’t have the original receipt of your purchase, you can try to contact the original seller or retailer, as they typically have records 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.
You can also provide our team a record of your credit card or bank statement showing the date and amount paid for an item. Finally, if you purchased an item through a marketplace or from a private seller, you can provide a record of, for instance, a PayPal or Venmo transaction.
What items are NOT covered by a Protection Plan?
We do not cover furniture, automobile, motorcycle, boat, motor, aircraft or aircraft parts (including drones) 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.
What kind of mechanical/electrical breakdown protection do you provide?
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 Everything Protected Plan ($/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 for.
It’s basically like having FREE 3-year mechanical warranties on all of your portable electronic devices and TVs!
For any of your portable electronic devices or TVs that 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, we would take over for the remainder of the 36-month period that began on 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 us and cannot be resumed even if you choose to re-enroll with us at a later point in time.
Do you cover damage to my car or motor vehicle? What about items inside my car or motor vehicle?
Our coverage does not apply to any damage, theft, or loss that affects your car or motor vehicle (such as a street scooter or motorcycle), nor any items incorporated or mounted/installed in or on the interior/exterior of your vehicle. You’ll have to go through your auto insurance to recover any such losses.
However, your coverage does apply to items inside your car that are damaged or stolen, as long as you are able to provide proof of forced entry into the vehicle which indicates that your doors/windows/trunk/cargo bags were closed and locked.
Just as with any other claims for theft, you must also provide a copy of your filed police report.
Why is a Protection Plan better than renters' or homeowners' insurance?
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 dropping your phone or spilling coffee on your laptop.
Accidental damage such as cracked screens, spills, and drops are more than 12 times as likely to happen as losses that renters’ policies will even cover.
Additionally, the deductibles on renters’ policies for losses from damage like fires, floods, or break-ins are usually $-$– much higher than the deductible you would pay for any claim with us.
Furthermore, the cost of your renters’ or homeowners’ insurance coverage may increase when you do file a claim. The cost of your protection coverage will never increase from claims, no matter how many you file!
Why is a Protection Plan such a great deal?
The short answer: because Insured Nomads is using technology to make facilitating and managing protection for your stuff more efficient and less costly. Typical insurers charge really high fees on the insurance and protection plans you buy because of the work involved in processing policies and claims.
At Insured Nomads, we’re changing that – enabling our customers to get comprehensive, affordable and straightforward protection. We’re ending the need to buy protection plans or insurance at the point of sale every time you get something new. Just add it to your protection plan, and you’re covered!
Can I sign up for a Protection Plan to cover repairs for phones or electronics that are already damaged?
Unfortunately, that’s not how protection plans work. If you have any items that are currently broken (cracked phone screen, water-damaged laptop, etc.), they are not eligible to be added to a protection plan and will not be repaired or replaced by us.
For an item to be eligible for protection, you must:
1. Have an active plan with Insured Nomads
2. Have the item’s information uploaded to your account along with pictures of it in working and undamaged condition. This means that you’ve taken photos of the item in accordance with all the instructions we provide when you’re adding an item to your account.
Then, if something happens to any of your items in the future, they’re protected!
If you do have an item that’s already damaged in any way, it will need to be repaired fully to be eligible for protection under our plans.
Even though it may be too late for the items you’ve damaged already, signing up for an AKKO plan today will ensure that you’re covered in case misfortune (or clumsiness) strikes again!
Does a Protection Plan protect my phone and other items when I travel or study abroad?
YES! As long as you’re a U.S. or Canadian resident with our protection, your items are fully protected when you travel or are living/staying abroad. ANYWHERE IN THE WORLD!
Insured Nomads will send you the funds for your claim payout electronically so you can get a repair or replacement where you are.
Please note that if your claim requires an item replacement, funds will be sent to you equal to the cost of replacement for your item based upon U.S. prices.
How can I upgrade my coverage to a higher limit?
To upgrade your coverage, just email us at for help with changing your coverage plan. We’ll update your plan and confirm the changes with the insurance company so that your plan can have a higher coverage limit to accommodate your more expensive items, or a higher per incident limit for your stuff.
For Adult Plans, we currently offer plans with per incident coverage limits of $ – $ in increments of $, all with a $ deductible.
If you want to protect multiple phones on a single plan, you may need to upgrade your coverage with an add-on or purchase additional protection plans.
When my items are Damaged or Stolen, what do I do?
Here is the process for claims:
How do we determine the replacement value of your items?
If your item(s) are too extensively damaged (or were stolen) and you require a replacement device or item, our team member will find the replacement value of the item by looking at the cost of an available refurbished replacement of the same make/model/year/specs then send you a reimbursement payout.
For example, if your iPhone X was stolen or completely destroyed, we would find the value of a refurbished iPhone X and your payout would be the cost of the replacement, plus sales tax if applicable, then subtracting your plan’s deductible ($-$ based on your phone, or for non-phone items $ on our “Everything Protected” Protection Plan for adults, and $ for students).
Insured Nomads will not determine the value of your item based on what used iPhone X phones or other items are being sold for by random individuals online. Replacement values are only determined based off items sold by businesses. You also will not receive a payout based on the value you initially paid for your phone or any other affected item when it was new.
The same process applies to claims for other electronics and personal items on your plan which are eligible for protection.
PHONE THEFT: For the theft of a phone to be eligible for reimbursement, you must be able to share your google location timeline to prove the last known location of the device prior to it being stolen. If you do not have the Google Maps mobile application installed on your device, you must do so in order for theft of the phone to be protected, or have a similar device tracking software/tool which is capable of displaying the last known location of a device with a timeline/history. A mobile app or tool such as iPhone’s “Find My” is not sufficient enough as it can only prove the present location of a device and cannot display a timeline/history of its location. If you have any questions regarding theft of phones or need assistance setting up a proper mobile app or tool, please contact us.
How long does it take to receive payment for my Repairs/Replacement once my claim is approved?
After your claim is approved, we’ll transfer you funds to reimburse you for your repairs/replacement, less your deductible same-day!
Are Apple Store repairs covered?
After you file a claim for your Apple devices, we’ll direct you to the closest repair provider able to handle your claim and provide repairs for your item.
If no nearby repair provider is able to service your Apple devices, you can go directly to an Apple Store or use Apple’s mail-in services for repairs. We’ll never require you to ship us your Apple devices!
We want your items fixed ASAP.
All repairs that are completed through your claims with AKKO at any repair provider are also backed by a 12 month warranty!
Can I get a group discount when buying multiple Protection Plans? For my family, company, club, school, or fraternity/sorority?
Yes! We’d be happy to help you bring our amazing coverage and services to the members of your family, company, club, school, or other organization like a fraternity or sorority.
Contact us and we can easily generate a special discount code for your group.
How do I cancel my Protection Plan?
email us at
Your plan can either continue until the end of your billing cycle, or be terminated immediately and then you will receive an appropriate pro-rated refund.
How do I update my address on my account?
Please email us at with a message saying “my new mailing address” and then put your new address. Simple! 🙂
Simply login to your account and navigate to your Account Settings. Scroll down and you’ll be able to update the payment method on your account under the “Billing” section. If you need any assistance, just email
To keep your info safe and secure, we only use Stripe (a leading payment processor and tech company) for all billing management.