Breakage of mechanisms
Rips, tears or punctures
Burn/singe marks caused by brief contact with flame or heat
Scratches, dents, chips or gouges that penetrate the finish, exposing the underlayer
Checking, cracking, bubbling and peeling of the finish
Lifting of veneers (from a specific incident)
Mirror breakage and loss of silvering
There is no deductible or additional fees required to obtain service on your covered furniture item. Not available in Wyoming.
To qualify for protection, your item may not have been labeled “as is,” or “pre-owned,” or been displayed in a showroom. Protection only applies to furniture used in a residential setting. Non-residential settings, including in-home daycare businesses and other commercial settings, disqualify your item from SmartGuard protection.
Because the plan serves to protect furniture from accidents that happen inside your home, damage caused by transit, delivery, redelivery, movement between residences or storage are NOT covered. Neither is furniture used outdoors, on patios, or screened rooms where it may be directly or indirectly exposed to the elements of nature.
Our plan is meant to protect you from incurring out-of-pocket costs in the event of specific damaging incidents, not general wear and tear due to causes associated with normal, long-term use. Because of this, issues that are considered typical of daily use or consistent with general ownership practices are NOT covered.
Stains or damage caused by use of improper cleaning methods or improper cleaning materials
Stains or damage from acid, bleach, caustic solutions, mildew, mold or reoccurring damage
Bodily fluid stains caused by incontinence
Fading of the upholstery, color loss and/or discoloration, or fabrics that become worn or soiled from everyday use
Pet damage and/or claw marks such as damage from teeth, beaks, etc. (NOT including damage from bodily fluids.)
Soiling from everyday use, including body oil, hair oil, perspiration, or darkened body contact areas
Inherent design flaws including, but not limited to, natural inconsistencies in upholstery, leather, vinyl or delamination of microfiber
Loosening of threads or splitting of seams
Wood surface scratches, dents, chips or gouges that do not penetrate through the finish
Cracking or peeling of any kind of leather
Leather surface scratches that do not penetrate through the upholstery
Leather flaws and manufacturer’s defects that cause rips, cuts, punctures, or color loss
Dye transfer, dye lot or texture variation
See plan terms and conditions for full details.
Own a SmartGuard policy? File a claim or pre-register your purchase here.