My husband and I purchased a whole living room set at Furniture Fair. The salesperson led us to believe that the insurance was a smart way to go, and that it covered just about Everything. However, 3 months after receiving the furniture, water was spilt on the table for no longer than 3 - 4 hours, but had left many bubbles and peeling of the wood. The insurance company does not cover Bubbling or peeling, OF COURSE! DO NOT PURCHASE FURNITURE AT FURNITURE FAIR NOR GET INSURANCE THROUGH MONTAGE FURNITURE SERVICE...TRUST ME ITS NOT WORTH IT