I had the same expeirience as the Windsor facility and was not impressed. They made it sound like I never had to worry about anything that could happen to the couch as this warrenty covered EVERYTHING! I had 3 small children at the time so it seemed like the logical thing to purchase. However, after having the couch for 4 months, all the seams on the seat coushins...and I mean ALL the seams, came apart. I was told that seams were not covered, however if my daughter took scissors to the entire couch that it would have been covered. Instead of pushing this warrenty on the furniture as though it is the best thing you will ever invest in, the sales people should explain exactly what ISN"T covered. I have also had to use the warrenty for several different reasons over the past two years and have had a great expierience with it. I still had to sew every single seat cushion, which of coarse looks terrible...