Do not purchase Guardsman or Overstock (serviced by Guardsman) protection plans. This is a total scam. They will basically steal your money. You will get very rude customer service, they will make you go though ridiculous procedures (sending bunch of paperwork - emails are not allowed :) just to tell you that your damage is NOT covered.

Someone should start a class lawsuit against these people. After filling out their ridiculous paperwork I got a letter from them stating:

We are unable to process your request

The damage is not covered by the warranty

SAVE YOUR MONEY - DO NOT PURCHASE GUARDSMAN FURNITURE PROTECTION PLAN THROUGH OVERSTOCK.COM