Protect your furniture against certain accidental stains, damage, and covered mechanical failures. This protection plan is designed to give you peace of mind while enjoying your furniture at home.
The plan covers eligible furniture with a maximum retail purchase price of $20,000, subject to the terms, conditions, limits, and exclusions explained below.
Important: This protection plan is a service contract. It does not replace your manufacturer’s warranty, insurance, maintenance plan.
The plan covers certain accidental stains and damage that happen during normal use, as well as certain mechanical failures.
For eligible fabric, leather, and vinyl furniture, covered issues include:
The motor and reclining-related coverage applies when the component was originally covered by the manufacturer’s warranty and that manufacturer’s warranty has expired.
Wood & Hard-Surface Furniture
For eligible wood and other hard-surface furniture, the plan covers certain issues including:
If your eligible power recliner or other reclining furniture stops working because of a failure involving the motor, mechanism, power cord, remote cord, lever, or hand wand, the plan specifically provides coverage when the applicable manufacturer’s warranty has expired.
However, this does not mean every electrical or electronic component is automatically covered. The plan separately excludes certain integrated components, including electronics, USB ports, electrical outlets, appliances, and other components that are not specifically included in the covered section.
In simple terms:
A failed reclining motor or reclining mechanism is specifically listed as potentially covered. Other electronics or electrical features may not be.
If you experience a covered problem, the plan generally works through the following steps:
For covered stains, you may receive:
If this doesn’t solve the problem, you can move to the next step.
An authorized technician may visit your home to:
Repairs are performed in a professional and workmanlike manner.
If the technician cannot fix the covered problem, the plan may provide, at its discretion:
The plan determines which option applies.
Don’t wait too long if something happens to your furniture.
You must report a covered stain or damage within 30 days of the date it occurred.
You can obtain a claim form through the insurer’s website or by calling the insurer or the store during its stated business hours.
The insurer must receive the required information within the applicable 30-day period, including:
Understanding the exclusions is just as important as knowing what’s covered.
The plan does not cover every type of damage or problem.
Examples include:
The plan generally does not cover manufacturer product-quality issues, including:
The plan specifically excludes certain items and components, including:
These integrated components are excluded when they are not specifically included in the covered section of the plan.
Coverage may also be denied for damage caused by:
The furniture must generally be used as indoor furniture in your residence.
The plan does not cover furniture used for:
Coverage is also unavailable while the furniture is located outside the U.S. and Canada.
There are limits.
For any individual covered item, the maximum amount payable for all claims is generally the item’s original purchase price.
Once an item reaches that maximum, that item is no longer eligible for additional coverage under the contract term. Other eligible items may continue to be covered.
The total amount payable across all covered items cannot exceed the combined purchase price of the covered items shown on the sales receipt.
Keep your original sales receipt and a copy of this protection plan. The receipt must show both the covered furniture and the protection plan for coverage to apply.
For stains and damage, report the issue within 30 days of when it happened.
Service requests are fulfilled when an insurer-approved service technician performs the repair, subject to the plan’s terms.
The plan states that there is no deductible.
Potentially, yes. The plan specifically lists motors, mechanisms, power cords, remote cords, levers, and hand wands used for reclining and inclining applications as covered failures when the applicable manufacturer’s warranty has expired.
No. Certain electronics and integrated electrical components are specifically excluded unless they are included in the covered section of the plan.
Certain accidental stains, including food, beverage, ink, and some bodily-fluid stains, are covered. The plan may first provide cleaning assistance before moving to technician service or replacement options.
You generally have 30 days from the date the stain or damage occurred to report it.
No. The plan states that there is no deductible.
Not necessarily. The plan generally starts with cleaning or technician service. If the problem cannot be remedied, the plan may provide a replacement, reselection, or cash settlement, depending on the circumstances and the plan’s terms.
No. Normal wear and tear, including gradual deterioration, surface abrasions, pilling, fraying, loose joints, and similar issues, is excluded.
Generally, no. The plan is intended for eligible indoor furniture used in your residence and excludes furniture used for business, commercial, institutional, or rental purposes, subject to the plan’s stated exceptions.
This page is a plain-language summary intended to make the protection plan easier to understand. It does not replace the official protection plan or service contract.
If there is any difference between this summary and the official plan, the official plan controls. Customers should review the complete terms, conditions, limitations, and exclusions before filing a claim.
