RMO Protection is the RMO division for member-based protection plans — coverage for the devices you carry, the home you live in, the finances you rely on, and the equipment that keeps a business running. One division, focused entirely on keeping you covered.
RMO Protection serves both individuals and businesses, with coverage built separately for each. Choose the side that fits you.
MyTech device protection for the phones, tablets, laptops, and smartwatches your household carries — accidental damage, mechanical failure, and battery service.
Explore electronics protection →MyHome coverage for the systems and appliances your household depends on — protection for breakdowns that standard homeowners policies leave out.
Explore home protection →MyShield income-disruption coverage — a safety net that helps keep your essential expenses paid if a job loss, medical event, or disaster interrupts your income.
Explore financial protection →BizTech device protection for the phones, tablets, and laptops your team depends on — accidental damage, mechanical failure, and battery service across business devices.
Explore business electronics →BizGuard financial protection for businesses — coverage focused on the financial-event exposures a company faces, including wire fraud and financial loss.
Explore business financial protection →BizOps Shield coverage for equipment downtime, business interruption, and the operational risks that can stop a company from running.
Explore operations protection →Weighing a carrier or manufacturer plan? See honest, side-by-side comparisons before you decide.
A different approach to protection — member-first, transparent, and backed by the RMO ecosystem.
A single RMO Protection plan can cover multiple devices in your household — instead of a separate plan for every phone and laptop.
Protection plans are a benefit of RMO membership, priced for members and bundled with the rest of your RMO products.
We publish what is covered, what is not, and how claims work — including side-by-side comparisons with other providers.
Protection with RMO is straightforward — here is the full path.
Pick the protection that fits — electronics, home, financial, or operations — and the tier that matches what you want covered.
Your plan activates through your RMO membership and appears in your MyRMO account alongside your other RMO products.
Start a claim in MyRMO or call Member Services. Once approved, RMO arranges repair or replacement based on your plan.
Guides and comparisons to help you choose coverage with confidence.
How RMO electronics protection stacks up and how to pick the right tier for your devices.
Read the GuideSide-by-side comparisons of RMO Protection against AppleCare, Asurion, Geek Squad, and more.
View ComparisonsPlain-English guides on how protection plans work, what they cover, and whether one is worth it.
Read the GuidesWhat a home protection plan covers, how it compares to insurance, and whether one is worth it.
Read the GuidesRMO Protection is the RMO division dedicated to member-based protection plans. It covers electronics and devices, home systems and appliances, your finances, and the equipment businesses depend on — separate from RMO Insurance, which provides state-licensed insurance policies.
A protection plan is a membership-based service agreement that covers repair or replacement for the items it lists — for example a cracked phone screen or a failed appliance. Insurance is a state-regulated policy that covers broader risk and liability. RMO Protection handles protection plans; RMO Insurance handles insurance policies.
RMO electronics protection plans cover smartphones, tablets, laptops, smartwatches, and other personal devices, with protection for accidental damage such as drops and spills, mechanical and electrical failure, and battery service. Coverage details vary by plan tier.
Many members choose RMO Protection as an alternative to carrier and manufacturer plans like AppleCare, Asurion, and Geek Squad because one RMO plan can cover multiple devices and bundles with other RMO membership benefits. See our side-by-side comparison pages to weigh coverage, price, and claims for your situation.
RMO Protection plans are a member benefit. Joining RMO membership unlocks protection plans along with member pricing across the RMO ecosystem.
Start a claim from your MyRMO account or by contacting RMO Member Services at (888) 764-3448. After your claim is reviewed and approved, RMO arranges repair or replacement based on your plan tier and the type of damage.
We’re here whenever you need us.
A full step-by-step walkthrough of filing a claim — for every RMO Protection plan.
See the Claims GuideFind answers to common questions about protection plans, coverage, and claims.
Visit Help CenterReach our member services team by phone, email, or chat for help with your protection plan.
Contact Member ServicesFind a retail center near you for in-person service, appointments, and support.
Find a Location