Compare your options

Protection plans cover accidents. Insurance covers disasters.Neither covers the wear.

Most fine furniture isn't ruined by one bad night. It dries, fades and collects marks slowly — and every protection plan and home policy excludes exactly that.

Store protection plan

Pays to fix specific accidents — stains, rips, burns — if you report them in time. Bought once, for a fixed term.

Home insurance

Pays out for sudden disasters like fire and theft, after your deductible. Never covers wear.

Furnish Care

Prevents wear before it shows: scheduled technician visits, cleaning, conditioning, touch-ups and a documented history.

Pick a situation

See which option actually deals with it.

The seat of a leather sofa has gone stiff and dull, and the creases are deepening.

Store protection plan

Not covered

Wear and tear, body oils and ageing are standard exclusions.

Home insurance

Not covered

Gradual deterioration is never a covered event.

Furnish Care

Handled

Cleaning and conditioning at every visit is what keeps leather supple.

General comparison. Individual protection plans and insurance policies vary — check your own terms.

Side by side

FeatureStore protection planHome insuranceFurnish Care
What it's forSpecific accidents: stains, rips, burns, breakageSudden disasters: fire, theft, certain water and storm damageKeeping furniture clean, conditioned and free of everyday marks
How you payOne-time fee at checkoutPremium, plus a deductible per claimMonthly or yearly membership
How long it lastsA fixed term, often five yearsAs long as the policy is in forceAs long as you're a member (12-month terms)
When anything happensOnly after you file a claim, within the reporting windowOnly after you file a claimOn a schedule — a technician visits whether or not anything is wrong
Normal wear and tearExcludedExcludedThe core of the service
Cleaning and conditioningNot includedNot includedWood, leather and fabric, every visit
Scratches, rings, pet marks, chipsSingle accidents, if reported in timeNot coveredTouched up at your visit — no claim, no deadline
Fading and worn finishExcludedNot coveredCorrected on Care + Repair and Complete Care
Broken frames and legsSometimes, as accidental breakageOnly from a covered eventNot included — cosmetic care only
Fire, flood, theftNot coveredCovered, per your policyNot covered — keep your insurance
Condition historyNoneNone — you prove the lossPhotographed baseline and a record of every visit
Covers furniture you already ownOnly if bought with the itemYes, as contentsYes — any piece you register

General comparison of how these products are typically structured. Individual plans and policies vary — always check your own terms.

The honest answer: most people need two

Insurance for the disaster you hope never happens. Care for the wear that happens every day.

1

Keep home insurance

For fire, theft and water damage. Nothing else replaces it.

2

Add Furnish Care

For the cleaning, conditioning, touch-ups and documentation that keep fine pieces in their best condition.

3

Consider a store plan if…

Accidental spills are your main worry — small children, pets, pale fabrics. It works alongside care.

Common questions

Is Furnish Care a furniture protection plan?+

No. A protection plan is a service contract that pays to fix specific accidents after you file a claim. Furnish Care is a care membership: a technician visits on a schedule to clean, condition and touch up your furniture, whether or not anything has gone wrong.

Is Furnish Care insurance?+

No. We don't reimburse losses and we don't cover fire, flood or theft — keep your home insurance for those. We take care of the everyday wear that insurance excludes.

Should I still buy the protection plan the store offers?+

If accidental spills and stains worry you most — young children, pets, a white sofa — a protection plan can make sense alongside care. It will not cover drying, fading, worn finishes or other normal wear, which is what Furnish Care is for.

Does homeowners insurance cover furniture wear and tear?+

Generally no. Homeowners and renters policies cover sudden, accidental events such as fire, theft and certain water damage, subject to a deductible. Gradual deterioration and wear and tear are standard exclusions.

Can I cover furniture I already own?+

Yes. Store plans usually have to be bought with the item, but you can register any piece you own with Furnish Care. Each gets a photographed condition baseline when you join.

Works for furniture you already own

See care plans and pricing

Secure Your Collection

Enroll online in minutes, or speak with a care specialist about a custom care plan.