I agree with everyone else, THIS COMPANY IS ABSOLUTELY NOT OUT TO HELP PEOPLE! From the beginning, the people I have spoken to on the phone have been aggressive and rude. The first woman basically "denied" my claim before I finished giving her the details saying that they don't cover that. When I read word for word a section of their coverage that should include my claim, she then finally said I could fill out a claim form and send pictures, etc. Essentially, they try to deny claims before ever seeing the damage or having the whole story. Then... I sent all of the information needed for the claim and after waiting over a week to hear back from anyone, they just sent a simple email denying my claim again and their explanation of why it was NOT covered was NOT EVEN A DESCRIPTION OF MY DAMAGE!!! I've called back several times trying to speak with a manager and one lady put me on hold and then came back saying she talked to the manager and the claim still stands but never let me speak to anyone else. Another lady told me she couldn't get a manager and they would call me... waiting for that call still! I am not trying to scam them at all as we have had the furniture for 3 years and we have made no claims on multiple pieces of furniture we have with them and there is no damage except for the damage I am trying to make the claim on and it is accidental and not even that big and should absolutely fall within the coverage and they are doing their best not to pay/help! This is very frustrating and anyone considering paying the extra few hundred to cover your furniture, PLEASE DON'T! ITS A WASTE OF MONEY! I wish I had the money back because it would pay to fix my furniture with a LOT of money left over! :(