The Whole House vs. The Whole Family: Picking a Family Perks Plan

Your school partnered with AKKO to give families a break on protecting the devices everyone depends on—phones, laptops, tablets, consoles, the works. The discount is automatic, and you can set up coverage in about 90 seconds. But first: which plan?

AKKO's family perks program offers two options. One covers everything except phones. The other covers everything, phones included. Both plans protect an unlimited number of devices, both carry the same deductible range, and both let you file unlimited claims a year. Here's how to pick the one that fits your household.

The Two Plans, Side by Side

Start with what each plan covers and what it costs. The 10% partner-school discount applies to both.

The difference is simple: The Whole Family adds phones for every person in the household. Everything else—coverage terms, deductibles, claim limits—stays the same.

When The Whole House Makes Sense

If your household already protects phones another way—carrier insurance, AppleCare+, a credit-card perk—or if you replace phones on a short cycle and aren't worried about accidental damage, The Whole House plan covers the rest of the chaos for $22.49 a month.

That means unlimited laptops, tablets, TVs, gaming consoles, headphones, smart-home devices and accessories. A cracked iPad screen, a coffee-drenched MacBook, a gaming controller that met the wall—all covered, with the same $29 to $99 deductible and no cap on how many times you file.

This plan works for families who want peace of mind on the expensive stuff without paying to cover devices they already protect or replace often.

When The Whole Family Is Worth the Step Up

If anyone in your house carries a phone—and let's be honest, everyone does—The Whole Family plan covers those, too. Add a kid, add a phone; coverage rolls with it. No per-device pricing, no new enrollment, no second plan to track.

For $44.99 a month, you get everything in The Whole House plus unlimited phones for every family member. That includes the same-day walk-in repair option at one of AKKO's partner repair centers for most phones, tablets and watches. A cracked screen typically costs $29 to fix; out-of-pocket repair averages around $390, according to AKKO's planning figures.

This plan makes sense if you're covering multiple phones, if you've paid a few hundred dollars for a screen repair before, or if you want one plan that covers everyone and everything under one roof.

What Both Plans Cover (and What They Don't)

Both plans cover accidental damage—drops, spills, cracks—plus mechanical and electrical failure, power surges, theft and loss. Claims file in about 4 minutes through your AKKO account; most are auto-approved. Unrepairable devices are reimbursed at value, up to $2,000 per claim.

Neither plan covers intentional damage, cosmetic scratches that don't affect function, or devices lost without a police report. And neither plan covers school-issued devices; those are protected through your district's program if your school offers one.

A Quick Cost Check

AKKO's planning figures estimate that about 1 in 3 home electronics experience a drop, spill or failure each year. If your household has 10 devices and that ratio holds, you're looking at about 3 incidents a year.

Without a plan, 3 repairs at an average of $390 each would cost $1,170 out of pocket. With The Whole Family plan, you'd pay $540 for the year plus 3 deductibles at an average of $64 each, for a total of about $732—a difference of roughly $438.

One busted laptop screen typically costs more than a year of coverage. The math tilts quickly if you've ever paid for a charging-port repair, a liquid-damage fix or a replacement phone.

How to Decide

If your household's phones are covered and you want protection for everything else, pick The Whole House. If you want one plan that covers the phones, the laptops, the tablets and the chaos in between—for everyone—pick The Whole Family.

Both plans unlock in 90 seconds, both carry the 10% partner-school discount, and both let you cancel within 30 days for a full refund if you file no claims. You can switch plans later if your needs change.

See your school's family perks plans →