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How to Find the Best Furniture Protection Plan

Find the best furniture protection plan

If you’re purchasing furniture, you want it to last—that means it would be very beneficial to find the right extended warranty for new furniture. Not all furniture protection plans are created equal, so you need to do your research and compare furniture warranty companies and the coverage they offer. 

Nice furniture is an investment, and protecting it can save you time, money, and aggravation later on when accidents happen. An extended warranty can mean the difference between having your furniture in great condition for a long time, or continuing to use it in subpar condition because you can't or don't want to purchase a replacement. It's embarrassing when you see that unsightly stain on an otherwise beautiful sofa, isn't it? With an extended warranty for new furniture, you'll never have to hide stains or tears.

When should you consider a furniture protection plan?

There are a variety of reasons why customers buy product protection. Some of the top reasons Mulberry customers choose to protect their furniture include:

If kids or pets will be using the furniture

Parents and pet owners are more likely than others to purchase extended warranties. That’s because they know the furniture will get heavy use and the users might not be as conscientious as they'd like. They know that they can’t always control what happens with sticky fingers and dirty paws, so instead of putting plastic on their furniture they invest in a furniture protection plan. Kids will be kids and dogs will be dogs; don't ruin all of their fun!

If the furniture is high-cost

Shoppers spending over $200 on an item are more likely to get product protection, and to look for a furniture protection plan before they check out. Most shoppers are repeat warranty purchasers, so they go into the shopping experience planning to add product protection. This can be helpful as you can factor the cost (though often nominal) into your overall furniture budget. The more you spend on an item, the longer you want it to last. A furniture warranty plan helps provide a longer lifespan for the furniture (and peace of mind for you). 

If you’ve made past mistakes that cost you

Nearly one in five parents (19%) in our parent shopping survey reported that they had accidentally damaged a piece of furniture during their own high school or college years. Almost 30% of parents who had damaged something during those years wished they had product protection (another 38% already did). One costly accident can make you regret forgoing that initial warranty investment, convincing you of the value in an extended warranty for new furniture purchases in the future. 

What a furniture warranty covers

There are many types of warranties. Furniture protection plans differ depending on the item type (whether it’s a couch, dresser, or desk) and what type of coverage you're looking for (whether it’s limited or extended). 

A limited warranty, or standard manufacturer warranty, comes with most furniture purchases. It lasts for a limited timeframe, usually around 1 year, and it includes coverage for defects or mistakes stemming from the manufacturing process. 

Here is what a typical manufacturer warranty for furniture covers:

  • Manufacturing defects
  • Component failure, including mechanisms (think recliners)
  • Failure of frames or springs (a mattress warranty or a couch warranty)

A furniture protection plan, or extended warranty, is an optional add-on for a piece of furniture. It will often cover defects and failures after the manufacturer warranty expires, and it usually includes additional coverage for accidental damage that comes from normal use.

Here is what a furniture product protection plan should cover:

  • Structural failure of a couch
  • Stains on a chair or couch, such as ink or nail polish
  • Tears, rips, or cuts in fabric
  • Seam separation
  • Broken zippers or buttons
  • Food or beverage stains on hard surface furniture
  • Liquid marks and rings on wood furniture
  • Breaks, scratches, gouges, or chips
  • Cracking, bubbling, or peeling finish
  • Chips, scratches, or breaks in glass or mirrors

So how do you find the best extended warranty for new furniture?

There are several factors to consider when choosing the best furniture warranty program for your purchases. It’s important to know what to look for in an accident protection plan to make sure the plan covers you for all damages. 

If you're purchasing a furniture protection plan from the same company you're getting the furniture from, here's what to look for:

They should cover all of the furniture items in your cart.

Some companies offer extended warranty plans for some furniture categories but not others. Here are items that are often eligible for a furniture warranty: 

  • Sofas and sectionals
  • Dressers and vanities
  • Beds and headboards 
  • Desks and chairs
  • Shelves, cabinets, and doors

A furniture company may only cover certain items, but with the Mulberry browser extension, you can get furniture protection plans free for one year on nearly everything you buy online. You want to make sure you have extended warranty coverage for all of the furniture that's likely to see high use, not just the pieces the manufacturer will cover.

They should provide complete product protection coverage.

Even within protection plans that cover accidental damage, there can be differences in the fine print when it comes to what is actually covered. Some warranty providers include limitations in the coverage terms that restrict certain damages from being covered. These loopholes mean that when you file a claim thinking it will be covered, they point to the fine print and deny your claim.

When using the Mulberry browser extension, you can clearly see the details of what is included in the furniture protection plan and the various pricing options, depending on how long you'd like the coverage to last. 

They should offer low-cost coverage rates.

Protection plan costs can vary significantly. You can find the same furniture protection plan from SquareTrade offered on Walmart or Amazon, and the prices may be different. That’s why you should always do your research to make sure you’re getting the best price for the maximum amount of coverage. With Mulberry, if you find the same coverage for a lower price, just let us know and we'll match it. That's our low-price guarantee.

When shopping for furniture, you’re not restricted to the warranty options available on the site where you're purchasing the furniture. You can add your own furniture warranty from another provider that offers better prices. In the example below from Wayfair, a 3-year protection plan from Allstate for the Amesfield 3-Drawer Dresser would cost you $41. With Mulberry, you can get a 3-year furniture protection plan for $34.99 - that’s 15% less for the same warranty plan. A 5-year plan with Mulberry costs only a few dollars more than a 3-year plan with Allstate!

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You deserve the best furniture protection plan

You want to make sure your furniture stands the test of time - and any other tests your household will put it up to. Extended furniture warranty offers protection against the accidents and damages that can (and will) happen to your furniture. By evaluating furniture protection plans based on types of products covered, clarity and quality of coverage terms and overall cost, you can evaluate your best options to get the coverage you need.

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About the author

Mulberry is on a mission to help consumers protect the things they buy while saving on everyday financial products. The Mulberry browser extension allows consumers to get free 1-year product protection plans wherever they shop online, plus savings on extended coverage and other financial products.

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