I recently purchased a 3-year extended warranty from Guard It Fortegra, which explicitly stated coverage for tears, spills, scratches, rips, cuts, gouges, and scuff marks when I purchased it. However, when I filed a claim due to the cushions sinking, fabric pilling, and stains, the technician came out, took pictures, and the insurance company denied my claim. They stated that they no longer cover stains, sinking, and pilling.
Based on my experience, I would strongly advise against purchasing this warranty. It appears designed to deny all claims and effectively steal your money. I consider it a waste of both time and money, as you will likely not receive the coverage you were promised.
Claim#2337593