A plain-English comparison of every major electronics protection plan — what they cover, what you actually pay per claim, and which one fits which kind of household. Updated for 2026.
We pulled live pricing and benefit pages from each provider and rated every plan on the things that actually affect your wallet when you file a claim.
We looked at: monthly cost, per-claim deductible, devices covered, claim limits, theft & loss inclusion, and repair turnaround. RMO MyTech is one of the plans we operate, and we’re upfront about that — the comparisons below use the same public pricing and terms a shopper would see if they went directly to each provider.
If a plan wins for a specific use case, we say so — even when it isn’t MyTech. The goal is to point each reader at the right plan, not to push every reader at one product.
Ranked by overall value for most households. Click through to read the deeper comparison for any plan.
Pricing reflects publicly listed entry-tier rates as of 2026 and may vary by state, device, or carrier. Always confirm current pricing and full terms with the provider before enrolling.
Every plan, every dimension, on one page. The most important rows are deductible, devices covered, and total annual cost.
| Feature | RMO MyTech | AppleCare+ | Asurion Home+ | SquareTrade | Carrier Plans |
|---|---|---|---|---|---|
| Starting price | $4/mo | ~$3.99–$13.99/mo | $24.99/mo | ~$8.99/mo | $10–$19/mo |
| Deductible per claim | $0 covered claims | $29 screen / $99+ | $99–$249 | $0–$149 | $19–$249 |
| Phones | Yes | Yes (Apple only) | Yes | Yes | Yes (line phone) |
| Tablets | Yes | Yes (Apple only) | Yes | Yes | Some |
| Laptops | Yes | Yes (Mac only) | Yes | Yes | No |
| Smart home / TVs | Yes (eligible) | Apple HomePod | Yes | Yes (per item) | No |
| Multi-device under one plan | Yes (II+ tiers) | No (per device) | Yes | No (per device) | Add-on per line |
| Theft & loss | Not currently | Optional add-on | No | No | Yes |
| Accidental damage | Yes | Yes | Yes | Yes | Yes |
| Mechanical/electrical failure | Yes | Yes | Yes | Yes | Yes |
| Battery service | Yes | Yes | Yes | Limited | Yes |
| Claims per year | Tier-dependent | 2 per 12 mo | 3 per 12 mo | Plan-dependent | 2–3 per year |
| Buy after device purchase? | Anytime | 60 days for new | Anytime | 30 days | 30 days typical |
| Bundled with banking? | Yes — via membership | No | No | No | No |
Sources: each provider’s public benefits and pricing pages. Specific terms vary by device, state, and carrier; always confirm with the provider. RMO MyTech terms are described in the MyTech plan documents.
Skip the table and jump straight to the answer for your situation.
When we score every plan on the things that affect your wallet at claim time, MyTech keeps coming out on top for general households.
The real cost of a protection plan is monthly premium plus deductible. AppleCare+ is $29 (screen) / $99 (other). Asurion is $99–$249. MyTech’s $0 means a single repair pays back the plan many times over.
MyTech II/III/IV cover multiple devices on a single plan — phones, tablets, laptops, more. Apple and SquareTrade are per-device; you stack a separate plan and a separate deductible on each one.
One RMO membership unlocks MyTech alongside checking, insurance, roadside, and more. Add coverage in minutes; no separate signup, separate billing, or device dropoff at a third-party retailer.
There is no single best plan for everyone. The right choice depends on what you own, how much you can spend, and how often you replace devices. RMO MyTech is a strong all-around option for households because it covers phones, tablets, laptops, and other electronics under one membership with a $0 deductible, starting at $4/month. AppleCare+ is the best fit for people fully inside the Apple ecosystem. Asurion Home+ works well for households that want broad coverage on every device. Carrier plans are the right pick if loss and theft coverage matter most.
It depends on the replacement cost of what you’re protecting versus the annual plan cost. A modern phone repair averages $300–$700 out of pocket and a screen replacement on a flagship phone alone can be $300+. For a $48–$216/year MyTech plan with a $0 deductible, even one covered repair typically pays for the plan many times over. Plans are usually not worth it if you only own older, low-value devices or if you already have strong renters/homeowners coverage that includes electronics.
A manufacturer warranty (typically one year) only covers defects in materials and workmanship. It does not cover accidental damage like cracked screens, water spills, or drops. Electronics insurance (also called a protection plan) covers accidental damage, mechanical failure, and electrical failure. Most claims people make on their devices are accidental damage — exactly what a warranty does not cover.
It depends on the plan. Carrier plans (Verizon Mobile Protect, AT&T Protect Advantage, T-Mobile Protection<360>) and AppleCare+ with Theft & Loss include theft and loss. RMO MyTech, AppleCare+ (without theft & loss), SquareTrade, and Asurion Home+ generally do not include theft or loss. If theft/loss coverage is essential, choose a carrier plan or add the theft & loss option where it’s offered.
A deductible is the amount you pay out of pocket each time you file a claim, before the protection plan pays the rest. AppleCare+ charges $29 for a screen, $99 for other accidental damage on iPhone, and $149 with theft and loss. Asurion claims often run $99–$249. RMO MyTech is $0 — when you file a covered claim, you don’t pay a deductible. That’s the biggest cost difference between MyTech and most competing plans.
AppleCare+ only covers Apple products and is sold per-device. Asurion sells through carriers and retailers and most plans have $99–$249 deductibles. RMO MyTech covers any eligible electronic — phones, tablets, laptops, more — under a single membership, with $0 deductible on covered claims. MyTech does not currently include theft or loss; AppleCare+ with Theft & Loss and carrier plans do. Read the full head-to-heads: vs AppleCare, vs Asurion, vs SquareTrade.
Limits vary by plan. AppleCare+ allows two incidents of accidental damage per 12 months. Asurion plans typically allow two to three claims per year. Most credit-card phone protection caps you at two claims per 12 months. RMO MyTech limits depend on your plan tier and are described in the MyTech plan documents.
