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Furniture Protection Plan

This plan of furniture protection is an insurance that covers furniture after the initial purchase, and a good example is when an organization decides to insure budget office chairs. The cost is set based on a certain percentage of the total amount of furniture bought, for example, 3 to 4 percent. The following include reasons why it is essential to consider the furniture protection plan.

  1. Accidents happen

Accidents are not predictable as they can happen at any given time. Most people think it is not vital to get such insurance as they assume accidents may not occur to them or within their residential areas.

People need to consider the furniture protection plan, just like they insure cars and their health against accidents. This kind of insurance provides peace of mind as it reduces frustrations when accidents happen either to the office or home furniture.

  1. It is expensive to acquire furniture

It seems very obvious, but the truth is that furniture costs a lot of money. Spending many dollars on couches, coffee tables, and office chairs is not quite easy, and it requires dedication in savings.

Furniture signifies a considerable percentage of your income; therefore, the need to insure them to avoid going back to the store to make new purchases when accidents happen. When the purchase is expensive, it creates a good basis for why furniture protection is essential as it ensures long term service.

  1. Presence of kids near the furniture

Most people may not have kids; therefore, they may not see the essence of furniture insurance, but the truth is that at some point, they will have kids or even their friends and relatives can visit accompanied by kids.

When there are kids around, a lot is expected, and this includes ripping, tearing, and spillages, among many other accidents associated with the young ones. It is not possible to follow and monitor kids every single minute of the day, so it is best to have precautions.

  1. Presence of pets

It is essential you check if the insurance covers pet damage before opting for the furniture protection plan. This ensures it can be repaired once damaged by animals without further expenses. Some people love pets like cats, rabbits, and even dogs as they are acceptable in the growing process.

Such kinds of pets can scratch, bite, or even pee on the furniture, which may result in damages. When someone owns such pets, it is undeniable there will be furniture damage, and they cannot blame animals for the damage; therefore it is very essential to take furniture plans to avoid frustrations due to losses.

  1. Some mistakes are even from manufactures

Manufacture can make a mistake, and if one is not careful, they may not detect it during the time of purchase. Damages can include rips on chairs and chips on tables. This is another reason why it is crucial to ensure furniture to avoid using more money to repair such defects. It is essential to check the coverage plans because some include furniture defects. For example, in an office set up, one of the many office chairs purchased might be torn hence the need for repair.

Final Word

Overall, if you want to get the best value of your furniture and avoid unnecessary expenses, getting furniture protection is a great idea. However, if your furniture does not hold much value and they are meant to be thrown away after some time, then, might as well save money from paying premiums on furniture protection.

Post Author: Eleanor Horton

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FAQ

Having this option means that if you ever want to increase the amount of lump sum payout of your policy in the future, you are eligible to do so without providing current medical status, or simply, no questions asked.

The insurance company will always assess their risk when a client has medical conditions. Being overweight may lead to other more serious cardiovascular diseases or diabetes so that the company may have to adjust the policy terms. You may also undergo a medical examination that ensures that you are perfectly healthy despite your weight. The severity of your asthma may also matter.

If you have just started smoking, the company may encourage you to stop it in order to not compromise your health. If your smoking has already damaged your lungs, then an insurance company will have to assess their risks depending on the severity of the damage and your own management of the addiction.

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