Hi, this is not a bashing post but maybe this will save someone else from purchasing furniture insurance... (long post)... We bought a power recliner from bob's furniture about 2 years ago. They told us anything that went wrong with the recliner (except wear and tear) would be covered and repaired.. Well my husband went in for a knee replacement operation on last monday... Tuesday morning he sat in his recliner and as he was powering back the part that moves the recliner snapped.. He fell all the way back and it was almost impossible to push the foot rest down to try and get him up and out. I called guardian insurance and explained what happened. I had to submit pictures of the broken part and they would get back to me. Well they said no as because he was sitting in the chair when it broke it isn't considered an accident. I can not believe I paid for insurance that no matter what I said they would not cover it... So if you are thinking of getting the insurance check them out on the internet first. Unfortunately when I just now looked them up I see they do not pay for anything.. They always have an excuse because they tell you to tell them how it happened and then they come up with their own reason..