Paid $600 for this Warranty service for the furniture we bought at a store called Prestige Furniture (unfortunately out of business, no surprise, and now with many online complaints about scam also), they convinced us to get the warranty because it covers "all accidental damage" and it's hassle free. Well in four years, we did not submit a claim until now that we had damage done to our leather sofa after a kid's party. I filed a claim and after 2 hours on the phone with Guardian, they denied my claim because it had too many... read full review »