8 Best Phone Protection Plans of 2026

This list is for phone owners deciding between an insurance plan or an extended protection plan to cover cracked screens, liquid damage, breakdowns, theft and loss. It includes plans you buy from a third party (AKKO, Allstate Protection Plans), from the phone maker (Apple, Samsung, Google) and from your carrier (Verizon, AT&T, T-Mobile). We compared documented features, deductibles and published prices on each provider's own pages in November 2026; we did not buy the plans or file claims. Rankozo weights value at 40%, features at 35% and ease of use at 25%. The price shown is the cheapest published monthly charge for one phone. Deductibles and service fees are charged per claim on top of the monthly price, so read both.

1. 01Top value

   

   AKKO

   8.7/10

   Third-party phone protection that covers accidental damage, breakdowns and theft on any phone, new or used.

   Price

   $5per phone per month

   Phone Only plan $6 to $12 per month, or $5 to $11 per month paid annually; AKKO Plan with 25 items $15 per month

   “Cost $6 – $12 /month ($5 – 11 /month if paid annually)” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   9.2

   Features (35%)

   8.6

   Ease of use (25%)

   8.2

   Best forOwners of any phone who want theft cover with low deductibles

   AKKO is the strongest value here because it combines a low monthly price with theft cover and a hard cap on deductibles. The Phone Only plan costs $6 to $12 a month depending on the model, or $5 to $11 a month if you pay for the year, and covers accidental damage, parts and battery failures and theft. Damage deductibles run $29 to $99 and theft or replacement deductibles $75 to $99, so even a total loss on an expensive phone costs no more than $99 out of pocket. Claims are unlimited for damage, breakdowns and theft, while a lost phone is limited to one claim per 12 months. AKKO covers any phone, new or used, which helps people who skipped the maker plan at checkout. The AKKO Plan at $15 a month adds 25 other items, such as laptops and headphones, up to $2,000 per claim. The trade-offs are the single loss claim per year and the lack of a branded repair counter like the Apple Store.

   • ✓$99 is the maximum phone deductible, even for theft or full replacement
   • ✓Works with any phone and any carrier, including phones you already own
   • ✓Paying annually saves up to 15%, and bundling plans saves 5% to 15%

   • ✕Only one lost phone claim per 12 months
   • ✕Phones with foldable screens cost up to $16.99 per month
   • ✕No in-store Apple or Samsung service network of its own

   Monthly price:

   $6 to $12 ($5 to $11 paid annually)

   Damage deductible:

   $29 to $99 by model

   Theft deductible:

   $75 to $99 by model

   Theft and loss:

   Theft covered; 1 lost phone claim per 12 months

   Bottom line: AKKO is the best choice for most phone owners because it covers damage and theft on any phone from $5 a month with a maximum $99 deductible. Pick AppleCare One instead if you want Apple Store repairs on an iPhone.

   Visit getakko.com ↗

2. 02

   

   AppleCare One

   8.6/10

   Apple's subscription that bundles AppleCare+ benefits with theft and loss cover for up to three Apple products.

   Price

   $19.99per month for up to 3 products

   AppleCare One Individual from $19.99 per month for up to three products; Family $49.99 per month

   “Up to three products starting at $19.99/mo. until cancelled.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   7.6

   Features (35%)

   9.4

   Ease of use (25%)

   9.2

   Best foriPhone owners who want Apple Store repairs and theft cover

   AppleCare One is Apple's newest way to buy AppleCare+, and the one to compare for an iPhone because it includes theft and loss. For $19.99 a month the Individual plan protects up to three eligible products, including ones you already own, and extra products cost $5.99 a month each. The Family plan covers all of a family's eligible products for $49.99 a month. Coverage includes unlimited incidents of accidental damage, battery service when capacity falls below 80 percent, and theft and loss for iPhone, iPad and Apple Watch, with up to three theft or loss claims a year on Individual. Service fees are $29 to $99 for cracked screens or back glass, $99 for other damage such as liquid, and $149 for theft and loss. Repairs happen at Apple Stores and more than 5,000 Apple Authorized Service Providers, and Express Replacement Service ships a new iPhone before you send yours in. The main drawback is price for single-device owners.

   • ✓One price covers up to three Apple products, with more added for $5.99 a month each
   • ✓Repairs at the Apple Store, often the same day
   • ✓Unlimited incidents of accidental damage

   • ✕$19.99 a month is high if you only need to cover one iPhone
   • ✕Apple devices only
   • ✕$149 service fee for a lost or stolen iPhone

   Monthly price:

   $19.99 for up to 3 products

   Screen repair fee:

   $29 to $99

   Theft and loss fee:

   $149

   Theft and loss claims:

   Up to 3 a year (Individual)

   Bottom line: AppleCare One is the best choice for iPhone owners with an iPad or Apple Watch because $19.99 a month covers three products with theft and loss. A single-phone owner on a budget pays less with AKKO.

   Visit apple.com ↗

3. 03

   

   Pixel Care+

   8.6/10

   Google's own protection plan for Pixel phones, with $0 screen, back glass and battery repairs.

   Price

   $8per phone per month

   From $8 per month for Pixel 8 and 9, or $159 for two years; $10 per month for Pixel 11

   “Google Pixel 8 / 9 Monthly plan: $8 2-year plan: $159” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.4

   Features (35%)

   8.6

   Ease of use (25%)

   8.8

   Best forGoogle Pixel owners who want $0 screen repairs

   Pixel Care+ is Google's own plan and a strong fit for Pixel owners because the most common repairs cost nothing. Screen, back glass and battery repairs carry no service fee and use Google certified parts. Other accidental damage, such as a phone that needs replacing after a spill, costs $59 on base models and $99 on Pro and Fold models. Prices depend on the phone: $8 a month or $159 for two years on Pixel 8 and 9, and $10 a month or $199 for two years on Pixel 11. Pixel Care+ with Loss and Theft costs a little more, for example $11 a month on Pixel 11, and adds a replacement if the phone is lost or stolen. You must add the plan when you buy the phone or within 60 days, which rules out older phones. Owners of other brands should look at AKKO or a carrier plan.

   • ✓No service fee for screen, back glass or battery repairs
   • ✓Monthly price starts at $8 for Pixel 8 and 9
   • ✓Two-year prepaid option for buyers who prefer one payment

   • ✕Pixel devices only
   • ✕Must be added at purchase or within 60 days
   • ✕Loss and theft cover costs extra, for example $11 a month on Pixel 11

   Monthly price:

   From $8 (Pixel 8 and 9)

   Screen and battery repairs:

   $0

   Accidental damage fee:

   $59 to $99 by model

   Enrollment window:

   Within 60 days of purchase

   Bottom line: Pixel Care+ is the best choice for Pixel owners because screen, back glass and battery repairs cost $0 and plans start at $8 a month. Add the Loss and Theft tier if theft is your main worry.

   Visit store.google.com ↗

4. 04

   

   Samsung Care+

   8.3/10

   Samsung's protection plan for Galaxy devices, with an optional Theft and Loss tier.

   Price

   Check price

   See vendor pricing (USD check pending); price depends on the device's suggested retail price

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   7.6

   Features (35%)

   8.8

   Ease of use (25%)

   8.6

   Best forGalaxy owners who want Samsung parts and theft cover

   Samsung Care+ comes in two tiers. The base Care+ plan covers unlimited drops, spills and mechanical breakdowns, including batteries, with same-day cracked screen and back glass repairs for $29 at more than 700 Samsung authorized locations. Samsung Care+ with Theft and Loss drops the screen fee to $0, adds replacement of a lost or stolen device as soon as the same day, and includes Knox Guard for remote lock and wipe. Loss and theft claims carry a $99 to $199 deductible based on the device, and you can make up to three such claims in any 12-month period. Repairs use Samsung genuine parts and certified technicians, and 24/7 support is included. You can buy the plan with a new device or within one year of purchase, a longer window than Pixel Care+. Samsung prices the plan by the device's suggested retail price and did not show a USD figure on the page we checked, so the price is pending here.

   • ✓$0 cracked screen repairs on the Theft and Loss tier
   • ✓Repairs by Samsung Certified Technicians with genuine parts
   • ✓Can be bought within one year of device purchase

   • ✕Maximum of three lost, stolen or unrecoverable claims in 12 months
   • ✕Galaxy devices only
   • ✕Price depends on the device and is not listed on the overview page

   Screen repair:

   $0 (Theft and Loss) or $29 (Care+)

   Theft and loss deductible:

   $99 to $199

   Loss and theft claims:

   Up to 3 in 12 months

   Enrollment window:

   Within 1 year of purchase

   Bottom line: Samsung Care+ with Theft and Loss is the best choice for Galaxy owners who want $0 screen repairs at Samsung locations. AKKO is cheaper if you can accept third-party repair shops.

   Visit samsung.com ↗

5. 05

   

   Allstate Protection Plans

   8.0/10

   Allstate's flat-price phone protection plan, sold direct for any phone on any carrier.

   Price

   $8.99per phone per month

   $8.99 per month for one phone; Phone Protection Plus $12.99 per phone; family plan $24.99 per month

   “$8.99 /mo buy protection Risk-free, cancel anytime.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.4

   Features (35%)

   7.0

   Ease of use (25%)

   8.6

   Best forBudget buyers who want one flat price for any phone

   Allstate Protection Plans, which also runs squaretrade.com, sells a phone plan direct with one price for every phone: $8.99 a month for a single phone, regardless of make, model or carrier. That simplicity is its main draw, and any working smartphone in good condition qualifies, including phones you already own. Covered problems include cracked screens, liquid damage and failures of the battery, touchscreen, speaker and charging port. Repair options include same-day local repair shops, same-day in-home screen replacement, Genius Bar repairs that Allstate reimburses, and mail-in repairs completed within two days. The plan moves to your new phone when you upgrade. The catch is the claim cost: a $149 deductible applies to every smartphone claim bought on the site, higher than AKKO's maximum. The plan page lists accidents and malfunctions but not theft or loss, so it is not a fit if theft is your concern. Phone Protection Plus at $12.99 a month adds tech support, roadside assistance and identity theft recovery.

   • ✓One flat $8.99 monthly price regardless of phone model
   • ✓Covers phones you already own, from any carrier
   • ✓Cancel anytime

   • ✕Flat $149 deductible on all smartphone claims bought on the site
   • ✕The plan page lists accidents and malfunctions but not theft or loss
   • ✕Plus tier adds non-phone perks rather than more device cover

   Monthly price:

   $8.99 per phone

   Deductible:

   $149 per claim

   Eligible phones:

   Any working smartphone, any carrier

   Theft and loss:

   Not listed on the plan page

   Bottom line: Allstate Protection Plans is the best choice for owners of an older or budget phone who want one flat $8.99 monthly price. Choose AKKO or a carrier plan if you need theft cover.

   Visit allstateprotectionplans.com ↗

6. 06

   

   Verizon Mobile Protect

   7.9/10

   Verizon's carrier plan combining insurance for loss, theft and damage with an extended warranty.

   Price

   $16per device per month

   $16 or $19 per month for a single device; multi-device from $38 for 2 lines

   “Tier 2 Smartphones, Watches, Tablets and Basic Phones: $16” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   7.4

   Features (35%)

   8.2

   Ease of use (25%)

   8.4

   Best forVerizon customers who want unlimited claims on their bill

   Verizon Mobile Protect bundles Wireless Phone Protection insurance for loss, theft and damage with Verizon Extended Warranty for post-warranty malfunctions, and adds Mobile Secure for tech support. Verizon's program sheet lists $19 a month for Tier 1 smartphones and watches and $16 a month for Tier 2 smartphones, watches, tablets and basic phones. Families can use the multi-device version at $38 for 2 lines, $57 for 3 lines and $68 for 4 to 20 lines. Single-device plans allow unlimited claims up to $3,000 each. Cracked screen and back glass repairs are $0 on select smartphones, damage claims carry a $99 deductible, and loss and theft deductibles range from $19 to $279 depending on the device. Customers who only want insurance can buy Wireless Phone Protection alone from $4.95 a month. The plan bills to your Verizon account, so it only covers devices on Verizon service.

   • ✓Unlimited claims on a single device
   • ✓Loss and theft deductible starts at $19 on low-cost devices
   • ✓Insurance-only Wireless Phone Protection available from $4.95 a month

   • ✕Loss and theft deductible reaches $279 on expensive phones
   • ✕Only for phones on a Verizon account
   • ✕Claims capped at $3,000 each

   Monthly price:

   $16 (Tier 2) or $19 (Tier 1)

   Loss and theft deductible:

   $19 to $279

   Damage deductible:

   $99

   Claim limit:

   Unlimited claims, $3,000 per claim

   Bottom line: Verizon Mobile Protect is the best choice for Verizon customers who want unlimited claims and post-warranty malfunction cover on one bill. Owners of expensive phones should weigh its $279 top theft deductible against AKKO's $99 cap.

   Visit verizon.com ↗

7. 07

   

   AT&T Protect Advantage

   7.8/10

   AT&T's carrier plan combining insurance, a service contract and ProTech support for one device or up to four.

   Price

   $16per device per month

   Protect Advantage for 1 from $16 per month, depending on device tier; Multi-Device $50 per month for up to 4 devices

   “$16.00* for Device Tiers 1 & 2” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   7.0

   Features (35%)

   8.4

   Ease of use (25%)

   8.2

   Best forAT&T customers protecting up to four devices

   AT&T Protect Advantage combines AT&T Protect insurance, a service contract and ProTech support. Protect Advantage for 1 costs $16 a month for Tier 1 and 2 devices, $19 for Tiers 3 and 4, and $25 for Tiers 5 and 6, under terms effective October 20, 2025. Claims are unlimited, with each limited to $3,500, the highest per-claim limit here. Repairs, including battery replacement, carry a $0 service fee on eligible devices, and screen and back glass repairs are unlimited. Replacement is where costs climb: deductibles run from $25 for Tier 1 to $400 for Tier 6, the range that includes current flagship phones. Replacements arrive as soon as the next day. Households can switch to Protect Advantage Multi-Device, which covers up to four devices, even tablets not on AT&T's network, for $50 a month. You must enroll within 30 days of activation or upgrade, or during an open enrollment period.

   • ✓Highest per-claim limit on this list at $3,500
   • ✓Unlimited screen and back glass repairs at $0
   • ✓Multi-Device plan covers tablets not connected to AT&T's network

   • ✕Replacement deductible reaches $400 on Tier 6 devices
   • ✕Must enroll within 30 days of activation or upgrade, or during open enrollment
   • ✕Only for devices on an AT&T account

   Monthly price:

   $16, $19 or $25 by device tier

   Replacement deductible:

   $25 to $400 by tier

   Repair fee:

   $0

   Claim limit:

   Unlimited claims, $3,500 per claim

   Bottom line: AT&T Protect Advantage is the best choice for AT&T households covering up to four devices because the Multi-Device plan costs $50 a month. Single flagship owners face a replacement deductible of up to $400, the highest here.

   Visit att.com ↗

8. 08

   

   T-Mobile Protection 360

   7.8/10

   T-Mobile's device protection plan with $0 screen repairs, loss and theft cover and AppleCare Services on iPhones.

   Price

   Check price

   See vendor pricing (USD check pending); price depends on device tier

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   7.0

   Features (35%)

   8.6

   Ease of use (25%)

   8.0

   Best forT-Mobile customers with an iPhone who want AppleCare Services included

   Protection 360 is T-Mobile's all-in-one plan, covering loss and theft, accidental damage and malfunctions after the manufacturer warranty ends. Screen repairs are unlimited and cost $0. For iPhone owners, new Apple devices enrolled in Protection 360 get two years of AppleCare Services, so repairs and support are handled directly by Apple. Other phones go through Assurant, with same-day repairs or next-day replacements on eligible devices. The plan also bundles unlimited screen protector replacements, McAfee Security for T-Mobile with ID Theft Protection covering 10 devices, tech support and Jump early upgrades once 50% of the device cost is paid. T-Mobile sets the monthly charge and deductible by device tier, and the main plan page we checked did not display the price, so it is pending here. Like the other carrier plans, it only covers devices on a T-Mobile account.

   • ✓AppleCare Services included for iPhone owners
   • ✓Unlimited $0 screen repairs
   • ✓Extras such as Jump early upgrades and screen protector replacements

   • ✕Only for devices on a T-Mobile account
   • ✕Price and deductible depend on device tier and are not listed on the main page
   • ✕Bundled extras raise the cost for people who only want insurance

   Screen repairs:

   Unlimited, $0

   Theft and loss:

   Included

   Apple devices:

   2 years of AppleCare Services on new devices

   Underwriter or provider:

   Assurant

   Bottom line: T-Mobile Protection 360 is the best choice for T-Mobile customers with a new iPhone because it includes two years of AppleCare Services. Customers who only want theft and damage cover may pay less with AKKO.

   Visit t-mobile.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.