BEL CareProtect What Matters Most
Coverage for indoor and outdoor furniture, rugs, and adjustable bases. If you don't use it, you won't lose it.
File a Claim
Easy Claims, Simple Support
If covered damage or staining occurs, contact Guardian by phone or online within 30 days of the incident to begin your claim.
Guardian May Provide at No Additional Cost
Comprehensive coverage for your furniture investment, from cleaning to full replacement.
Professional Cleaning
Expert cleaning services for covered accidental stains to restore your furniture's original beauty.
Professional Repair
Skilled repair services for covered damage, bringing your furniture back to its best condition.
Full Replacement
If the item cannot be cleaned or repaired, Guardian provides a replacement at no extra cost to you.
Protection Plans
Choose the plan that matches your furniture. Every plan covers accidental damage from a specific incident.
Premier Indoor Protection Plan
| Damage Type | Fabric | Leather | Wood / Hard Surface |
|---|---|---|---|
| All stains* | ✓ | ✓ | ✓ |
| Pet damage*** | ✓ | ✓ | ✓ |
| Rips, cuts, or burns | ✓ | ✓ | — |
| Seam separation | ✓ | ✓ | — |
| Zippers & buttons | ✓ | ✓ | — |
| Frame & spring breakdown | ✓ | ✓ | — |
| Mechanical & reclining components | ✓ | ✓ | — |
| Electronics** | ✓ | ✓ | — |
| Handles, hinges & knobs** | ✓ | ✓ | ✓ |
| Wood / hard surface breakage | — | — | ✓ |
| Gouges & heat marks | — | — | ✓ |
| Liquid rings | — | — | ✓ |
| Glass breakage | — | — | ✓ |
| Cracking, bubbling, or peeling | — | — | ✓ |
Indoor Area Rug Plan
- Accidental stains from food, beverages, bodily fluids, and common household items
- Mold and mildew from covered spills
- Border separation up to 6 inches
Outdoor Furniture Plan
- Accidental stains to fabric, vinyl, and umbrellas
- Rips, cuts, punctures, and burns to fabric or vinyl areas
- Glass breakage on outdoor tables
- Frame and umbrella mechanism breakdown
Adjustable Bed Plan
- Frames
- Motors
- Remotes
- Heating and cooling mechanisms
- Massage and vibration units
- Electronics
* Covers accidental damage from a specific incident. Exclusions apply. See plan terms for full details.
** Parts-only coverage applies to select electronics and hardware. Coverage is limited to $100 per electronics category and $50 per hardware category.
*** Pet damage is limited to a single incident per plan.
Breakdowns are covered subject to plan terms and conditions. Ask your associate for complete details.
To Help Expedite Your Claim
Please have the following items ready when you contact Guardian to ensure a smooth and quick claims process.
Your Receipt
Keep your original purchase receipt available as proof of purchase for your claim.
A Photo of the Damaged Area
Take a close-up photo clearly showing the specific damage or stain on your furniture.
An Overall Photo of the Item
Capture a full photo of the entire piece of furniture showing the damage in context.
How to File
If covered damage or staining occurs, contact Guardian by phone or online within 30 days of the incident to begin your claim.
Exclusions apply. See your protection plan terms for complete coverage details.
If You Don't Use It, You Won't Lose It.
If you do not use your plan during the first five years, you can redeem your original certificate, valid warranty number, and original invoice for store credit equal to the amount of your warranty toward your next purchase of $499.99 or more.
Your Investment is Protected
Even if you never need to file a claim, your protection plan retains its full value. Redeem it for store credit and put it toward your next furniture purchase.
Minimum purchase: $499.99"We worked with Guardian on our broken couch. They made this process smooth and easy."— Amy C., Verified Customer