What does electronics protection cover?

A protection plan is only as good as its coverage list. Here is what device protection plans typically cover, what they usually leave out, and how plan tiers change the scope — so you know what you are buying before you buy it.

Beginner Friendly 5 Minute Read Updated for 2026

The Short Version

Coverage is a list — read it.

“What does it cover?” is the only question that decides whether a protection plan will be there when you need it. A plan is not a vague promise of protection; it is a specific list of covered events and an equally specific list of exclusions.

Most device protection plans are built around the same core: accidental damage, mechanical and electrical failure, and battery service. That covers the everyday ways a phone, tablet, or laptop actually breaks. RMO MyTech follows this pattern, covering personal electronics under one membership.

But every plan also has things it does not cover, and those exclusions matter just as much. A plan that looks generous in the headline can disappoint at claim time if the exclusion you needed was on page two. The rest of this guide walks through both sides of the list — and why the exclusions page deserves a careful read before you buy.

What Is Covered

What a plan typically covers.

Coverage varies by provider and tier, but the core of nearly every device protection plan is these three things:

Accidental damage. Drops, cracked screens, and liquid spills — the most common reason a claim is ever filed, and the exact damage a manufacturer warranty refuses to touch.
Mechanical and electrical failure. When a component stops working on its own — a charging port that dies, a speaker that cuts out, a screen that flickers — after the manufacturer warranty period has ended.
Battery service. A battery is a part that predictably wears out, so many plans replace it once its health falls below a set threshold rather than treating that as normal wear.

RMO MyTech covers all three for phones, tablets, laptops and other personal electronics, with a $0 deductible on covered claims. Because it is built around the everyday failure modes, it is designed to handle the breaks people actually experience — not just rare worst cases.

Exclusions & Tiers

What is excluded — and how tiers change coverage.

Just as important as the covered list is what plans usually leave out:

Theft and loss. These are risk events more often handled by insurance than by a service contract. RMO MyTech does not currently include theft or loss — if those are your main concern, you need a product that specifically lists them.
Cosmetic-only damage. Scuffs and scratches that do not affect how the device works are typically not covered, since the device still functions as intended.
Intentional damage. Damage you cause on purpose is excluded from essentially every plan.
Normal wear. The slow, expected aging of a device — outside of specific battery service — is generally not a covered event.

Plan tiers then adjust the scope. A higher tier usually means more devices covered, more claims allowed per year, or broader coverage limits. RMO MyTech offers four tiers with multi-device coverage, so a single household can match the tier to the number of phones, tablets, and laptops it actually owns. Whatever plan you consider, read the exclusions page before you buy — that one page tells you more about real coverage than the marketing ever will.