Bottom line is they cover nothing. Would not even deal with a simple stain caused by someone sitting the the loveseat with a wet bathing suit. What a waist of money! The furniture store that suggested them should be embarrassed. Don't do it. We did everything they asked and received this reply. "Dear Rob Neumann,
Thank you for submitting your service request form(s). We have completed the processing of your request, and we are sorry to advise you that the damage(s) and/or stain(s) that you reported are ineligible for service for the following reason(s):
Loveseat - Unknown Stain - The reported damage on your furniture is not covered under the terms of the protection plan.
If you have any questions regarding the coverage of your protection plan, we welcome you to call Guardsman. We will be happy to help you understand what your plan covers as well as its limitations, and the requirements that must be fulfilled in order to receive service for any future issues you may encounter.
For your convenience, sample plans are available for review on our website at www.guardsman.com. However, plans vary by retailer, and your protection plan may differ from the sample plan. Please be sure that you review the Protection Plan you purchased for accurate information.
Guardsman Customer Service Center"
Product or Service Mentioned: Guardsman Protection Plan.
Reason of review: Bad quality.