we bought a 5 year warrantee with Ashley furniture, backed by Risk Assurance Partners LLC, the Platinum Plan, 1615 South Congress Avenue, Del Ray Beach, Florida. A rip or tear showed up in the leather of a sofa with electric recliner, well within the warrantee and when we called them, they find all kinds of excuses to not pay. They find some absurd reason that you should notify them even before the damage is there. These are con artist and we sent them the photographs and still denied payment and responsibility