When I bought my sofa, 3 years ago, I was told that if I bought insurance from Montage it would cover anything that goes wrong no matter what. Well my daughter sat on my sofa with a pair of jeans on that had rhinestones in them, it ripped the fabric pealing the leather so when I put a claim in for the damage they told me that pealing wasn't covered only rips! Does that make any sense? So now the only thing I can do is buy a new sofa since no one will even recover it! This company is a scam!!!