This plan is completely bogus! I purchased a 3-year plan for an office chair that stated "About the only thing MaxAssurance doesn't protect against are failures caused by abuse or misuse of the covered product." For chairs, the plan said it covered "Normal wear & tear to upholstery, including seam separation." When the mesh fabric tore in the middle of the seat cushion, I called MaxAssurance. It claimed the tear is NOT covered because it did not constitute a seam separation, and ONLY seam separations are covered. It also said that no fabric tears are covered. The company wouldn't even send someone to come look at the chair. I spoke with the representative who answered the phone and her supervisor, neither of which were helpful (nor attorneys). COMPLETE WASTE of my money in purchasing the plan. Highly recommend you DO NOT PURCHASE THIS PLAN!