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10 damages a furniture manufacturer's warranty won't cover

Dog laying next to a ripped up couch

Furniture is the centerpiece of our living spaces, whether it's the couch everyone gathers on to watch a movie or the leather office chair where you spend long days working. Furniture sees a lot of use, which unfortunately means our furniture is likely to encounter damage at some point during its lifespan. If your furniture is covered under a manufacturer's warranty, you'll be protected against some forms of damage, but it won't provide coverage for everything you need. Manufacturer's warranties generally provide short-term coverage that has more exclusions than inclusions. That's what makes an extended warranty, or product protection plan, so important.

When you subscribe to Mulberry Unlimited, you'll be covered against accidental damage for all your furniture items and more (everything you buy online!) under one product protection plan for as long as you choose. That means you're covered in case of tears, cracks, spills, and more, to ensure your furniture lasts for as long as you need it to. Not only are you covered, you'll never pay any deductibles or fees when you file a claim. Plus, with unlimited claims and access to 24/7 customer support, you'll always know where you stand.

Now, let's take a look at 10 of the most common damages that aren't covered under a furniture manufacturer's warranty, and why you need a furniture protection plan to truly ensure you're protected.

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1. Tears, cuts, or rips in fabric

Since furniture is used every day and is often made of fabric that can be easily torn or ripped, this is unfortunately a common occurrence. Under a manufacturer's warranty, you won't be eligible for furniture repair or replacement, meaning you'll have to shoulder the entire cost on your own if you don't have extended furniture warranty coverage. Since fabric tears and rips are so common, you'll want to be protected in case this happens.

2. Structure failure

Although some furniture manufacturer warranties cover component failures, such as mechanisms in Ashley Furniture recliners, they don't provide coverage for structural damage. For example, if the frame that holds your couch together breaks, even if it's just a tiny part, the entire structure will be rendered useless. This means you'll have to shell out money for a new couch, which is obviously expensive. However, if you're covered with an extended warranty, you won't have to pay anything. Zero. Nada. 

3. Food or beverage stains

We've all been that person who's forgotten to put down a coaster on a wood coffee table, or who's accidentally knocked over a cup of coffee while getting comfortable in a chair. Unfortunately, a manufacturer's warranty doesn't cover the damage caused by these extremely common accidents. Unless you're okay with a giant stain on your furniture, you'll be the one who pays to have the mess cleaned up (or replaced).

4. Seam separation

Our chairs and couches go through a lot each day, which means so do the seams that hold all the fabric together. Every time we sit down, stand up, and reposition ourselves, the seams stretch and pull. Eventually, they just start to give out. Under a manufacturer's warranty, you aren't covered for seam separation, so when they eventually rip, you're left on the hook for repair costs.

5. Cracking, bubbling, or peeling finish

The finish on our wood furniture can make all the difference in helping it look its best. That said, finishes don't last forever, and due to factors like age, climate, and environment, it can start to crack and bubble over time. If you aren't covered, you'll have to pay to have it refinished, or try doing it yourself, which can be challenging work if you don't know what you're doing.

6. Broken zippers or buttons

As with seams, the zippers and buttons on our furniture go through a lot of stress on a daily basis. A broken zipper or button can leave your couch or chair cushion exposed, leaving you vulnerable to even more potential damage.

7. Chips, scratches, or breaks in glass or mirrors

Many of us have mirrors or glass inserts in coffee tables, which are prone to damage in the form of scratches, chips, or breaks. If you set down your coffee cup a little too forcefully, or accidentally knock into the table and the glass comes loose, you can have an expensive problem on your hands. A manufacturer's warranty won't cover this, leaving you to repair or replace the glass on your own.

8. Breaks, scratches, gouges, or chips

Real wood furniture is especially prone to damage such as breaks, scratches, gouges, and chips. Although there are ways to fix scratches in your wood furniture, if a chunk of the wood breaks off or a support beam snaps in two, wooden furniture repair can be difficult to perform on your own if you don't have prior knowledge.

9. Burns and heat marks

Although this might seem like one of the more uncommon damages that can happen to your furniture, accidents are a part of daily life, and you have to be prepared for anything. Your wood coffee table can get a heat mark simply because you set down a hot cup of coffee on it, or your kitchen table can get heat damage from setting a hot plate on it you thought had already cooled. A furniture extended warranty is the only way to protect your furniture from all possibilities.

10. Damage due to drops

Furniture gets moved around all the time, and most of it is heavy enough to require two or more people to lift it. That means it's prone to damage due to drops and mishandling. Unfortunately, manufacturers won't help you out if your furniture is damaged while you're moving it, even if it's brand new.

Get comprehensive product protection with Mulberry Unlimited

When you subscribe to Mulberry Unlimited, you'll get coverage for all your furniture pieces and everything else in your house under one product protection plan, for one low monthly price. You'll be covered in case of accidental damages like the examples listed in this article, plus you can file unlimited claims without worrying about any deductibles or hidden fees. It's the only market-leading product protection that covers unlimited items under one plan with zero deductibles. Peace of mind can be bought.

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Justin Smith

About the author

Justin Smith has written about everything from stock market investing to electric vehicles, most recently for SuperMoney, Mulberry and EverLaw. Apart from optimizing the latest blog content and hunting for the perfect keywords, he also enjoys going on long runs.

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