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Furniture Protection Plans Have Their Perks. Hey, accidents happen. If you have kids, pets, or a lot of traffic coming into and out of your house or apartment, it may pay to grab the extended warranty or protection plan. These plans may also be helpful if you're renting out your own furnished space on Airbnb.

Furniture Protection Plans Have Their Perks. Hey, accidents happen. If you have kids, pets, or a lot of traffic coming into and out of your house or apartment, it may pay to grab the extended warranty or protection plan. These plans may also be helpful if you're renting out your own furnished space on Airbnb.

Some people believe furniture warranties will cover damage regardless of the circumstances. But a furniture warranty does not cover negligence, mishandling of the products, or general wear and tear.

A limited warranty, or standard manufacturer warranty, comes with most furniture purchases. It lasts for a limited time frame, usually around 1 year, and it includes coverage for defects or mistakes stemming from the manufacturing process.

Purchasing a furniture protection plan for furnished homes may seem frivolous, but when your friend spills a glass of wine on your $3,000 leather couch, you might sing a different tune. While furniture insurance is not for everyone, it can be a worthwhile investment depending on your lifestyle and budget.

Because of the treatment's ability to repel liquids and dirt, it gives you a robust level of stain protection. If you are prone to spills, have kids or pets, a protection plan will give you peace of mind and will be worth the investment.

A quality plan will cover mishaps like: Heat marks on wood surfaces. Accidental stains from nail polish or bodily fluids. Punctures, rips, or gouges in fabric, including area rugs.