I bought a leather couch from Havertys and bought the Guardian insurance. Saleslady from Havertys told me, "They cover everything-even if you put a knife through the leather, it is covered." Since we have a dog, I thought, what the heck...spend the extra money.
What a hassle it was to get them to come and look. You have to take a photo of the area that is damaged. I had to go online an copy the form and then fill it all out and mail it in. I had a cat make a slight tear, but not all the way through the leather, and the tech put this crappy paint stuff on it, it was a horrible job.
Then I had a death in the family to deal with and I never did get back to them. I would not buy it, the sales rep did not explain it clearly.
Buyer beware is my advice.
Review about: Havertys Furniture Sofa.
Monetary Loss: $2000.