We bought a sectional from Bob's Discount furniture in May of 2018 and purchased the Goof Proof Protection plan from Guardian with the sale. We were informed that the protection plan will cover almost any normal damage or stains to the sectional for 5 years. Well we just had a house full of people over to our house the weekend of Oct 12th, 2019 to attend a fall harvest fest. There were 8 adults and over 10 kids in our house over a four-hour period. Of course, people were up and down on the furniture, kids screwing around being kids, and more traffic than is normal with just my wife and me. At some point as the company left, my wife noticed that the ottoman was now concaved as opposed to convex. I flipped the ottoman over & you can feel that the frame has collapsed, and you can feel the wood moving around. So, Monday the Oct 14, 2019 we filed a claim with Guardian. THEY DENIED THE CLAIM, saying that there was no specific "accident" that caused the damage!!! What constitutes an accident? Someone runs a stop sign & crashes into my ottoman and THAN that would be considered an accident? We had a house full of people over, at some point the frame on the ottoman collapsed. I didn't see it happen, I don't know exactly when it happened that night, but I can assure you that NO ONE DID IT ON PURPOSE, which is the very definition of an accident. What a bunch of GARBAGE, just like any other BS insurance policy..."we will cover you as long as you don't file a claim". If you do file a claim, we will find any way to deny it. They take money in and find any way they can to not pay it out. AVOID THIS PRODUCT & put the money in your own pocket.