Are Furniture Warranties Worth It – Furniture is a significant investment and in many cases it makes sense to protect your purchase beyond the manufacturer’s limited warranty. You probably buy the piece of furniture hoping that it will last for many years. With so many warranty options, how do you know you’re getting the best coverage at a reasonable price? Furniture retailers often offer extended warranty options during the checkout process, but they usually provide limited information unless you dig into the fine print. Don’t be forced to add an extended warranty before you know exactly what you’re signing up for. You have options. When you subscribe to Mulberry Unlimited, you get cover for all your furniture items under the same product protection plan. That means protection in case of leaks, tears, rips, and more, all for just $9.99 per month. It’s the ultimate peace of mind for your most used furniture. Are extended furniture warranties worth it? What happens when your pet tears your sofa or your child spills grape juice on it (because you’re rethinking the decision to go with natural linen)? Your manufacturer’s warranty won’t cover these accidents, so you’re either left looking at the purple splotch or an expensive bill to clean the couch. Most furniture protection plans will protect you in these situations, but each provider covers different things. Check out this post for more information on what to look for when evaluating a furniture protection plan. We looked at a few popular retailers to see what you can expect from their extended furniture warranty options, and what might surprise you. Wayfair furniture warranty The Wayfair warranty is offered in three different options through Allstate, Uniters, and Warrantech. The type of furniture you buy determines what warranty they offer. For example, a Warrantech protection plan will only cover replacement or furniture repair costs for mechanical or electrical failure due to defects in materials or workmanship. Allstate protection plans and Uniters protection plans will cover some accidental damage, but there are many exclusions. Most plans are available in terms of 3 or 5 years and typically cover: Accidental stains Broken hardware Damage such as torn seams, tears and holes Manufacturer’s defects (after the manufacturer’s warranty expires) They provide full lists of all exclusions, so do your research before buying a plan to make sure there is more included than excluded from the coverage. Often, the extended warranties offered through the retailer’s website are more expensive than other coverage options, such as Mulberry Unlimited. Ashley Furniture warranty The Ashley Furniture warranty is offered through ProtectAll. The plan includes the following: Stains and drink marks Rips and tears (excluding seams) Burns and scratches (as long as it does not penetrate the surface) Chipped or broken glass (but only for certain pieces) Bubble veneer (for wood only) Broken mechanisms (furniture indoor) Solar fading However, the list of what an Ashley Furniture protection plan will not cover is extensive. Coverage typically excludes animal damage, pilling or loss of resilience, cracked vinyl or leather, and accumulated damage that is not from a single issue. Coverage also depends on the type of material, as there are different exclusions for fabric, leather and wood. This leaves a lot of room for interpretation, which can lead to your damage not being covered. The lowest priced plan starts at $59.99, which is quite expensive compared to alternatives like Mulberry Unlimited. Z Gallerie furniture warranty The Z Gallerie furniture warranty is offered through Extend. The plan coverage is quite vague, stating that it covers rips, tears and stains caused by food, children and pets up to 5 years. It will also cover mechanical or electrical faults if the product should stop working with regular use. Extend will repair or replace defective items, and there is no deductible. It is very difficult to find a complete list of inclusions and exclusions for the coverage, which can be a red flag. Coverage details should be clear, upfront and easy to understand; if you find that’s not the case when looking at coverage options, you may want to keep looking. Value City furniture warranty The Value City furniture warranty is offered through Pure Promise. It offers only one option – a 5-year protection plan on your furniture. The plan covers stains, accidents and structural damage to fabric, leather and wood items, although the exclusions vary based on the material. Some of the covered items include: Rips and tears of adults and children Burns Punctures from adults or children Structural damage, including glass breakage They do not mention whether they cover damage from pets or normal wear and tear, which could be another red flag. They offer you store credit equal to what you paid for your plan if you don’t use the coverage. Macy’s Furniture Warranty Macy’s also offers only one option – the UltimatePlan Protection Plan is a 5-year limited plan. The plan covers the following (but pay close attention to the exclusions): Accidental stains from people Structural damage Animal damage from claws or teeth Seam damage Glass breakage Burns Cracked or chipped wood Electrical faults Nail polish remover stains However, the terms of cover are very clear that the limited protection plan does not cover normal daily pollution use, accumulation, multiple stains, unknown stains, spills or damage not handled properly. This clause is quite detailed when it comes to what is not included, and it can also mean that the damage assessment is subjective, depending on what it means to the person reviewing your claim. That said, Macy’s living room furniture selection is especially broad, covering many different brand names. Macy’s warranty is on the higher end of the scale, starting at a minimum of $99 for furniture coverage. They will offer a store credit valued at the price of your protection plan if you do not initiate a claim during the 5 years of service. The skinny on extended furniture warranties Each of the furniture warranty plans discussed above come at an optional, additional cost to your furniture purchase. You can buy a plan at the time you buy your furniture, or usually for a short time after the purchase depending on the provider. Each provider has advantages and disadvantages, which largely depend on the type of coverage you are looking for. If the exclusions do not apply to you, you may not need to worry about what is not covered. Generally the more exclusions you see, the more difficult it may be to get your claim approved. Many of the coverage options are expensive, and if you’re willing to do some research, you’ll likely be able to find comparable (or more comprehensive) coverage for less. When you should consider an extended furniture warranty Extended furniture warranties may not be necessary in all cases, but here are a few reasons Mulberry customers protect their purchases: You have children or pets. Let’s face it, you can’t have eyes on your kids or pets 24/7, and accidents happen. There will be spills, tears and damage, so don’t stress. Protect your purchase and let Mulberry take care of the solution. You bought expensive furniture. Furniture is an investment, not just a purchase. Protect your investment with a guarantee so you can enjoy it for years. Rest assured that any damage will be repaired or the product replaced, at no cost to you. You don’t need one more thing to worry about. Having an extended warranty that protects you in almost any situation can provide incredible peace of mind, allowing you to enjoy your furniture instead of stressing about it. The Mulberry difference Mulberry is a people-first product protection provider. What does it mean? We care about you, and we want to offer you the best coverage for the lowest price. You should be able to enjoy your furniture without fear of damage leading to expensive repairs or replacement. You can get affordable protection by subscribing to Mulberry Unlimited, which will cover the most common damages to your furniture, including stains or leaks, rips and tears, burns and heat damage, liquid marks and rings, or seam separations. You don’t have to pay any tax when you file a claim, and there are no hidden fees. An extended furniture warranty doesn’t have to break the bank. We know you’re already spending a lot of money on the furniture, and you probably don’t have the budget for extended warranty coverage. With Mulberry Unlimited you get exceptional cover that you can afford.
About the Author Kim Miller is the Head of Consumer Marketing at Mulberry. She is passionate about building products and brands that make consumers happy, save them money and make their lives easier. Do you have an innovative idea for Mulberry that you would like to share? Give her a shout! She would love to chat about anything from fintech and UX to gardening and antiques.
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