Hello, it’s Ed from Elderly Independence, back again to discuss an often-overlooked yet significant aspect of senior living – furniture insurance. Today, we’re focusing on the 3 Best Furniture Insurance options for Seniors in 2023. Yes, you read that right! Furniture insurance is a necessity, especially for seniors.
As we age, our needs change, and we start to appreciate the comfort and security our homes provide. Our furniture not only enhances the aesthetic appeal of our space but also contributes to the quality of our life. But what happens when our cherished furniture gets damaged or destroyed? This is where furniture insurance comes into play.
In this article, we’ll explore three outstanding furniture insurance options, delving into their features, coverage, and why they are so essential for seniors. Stay with me as we navigate through the nuances of furniture insurance, helping you or your loved ones make informed decisions.
Accidents are likely to happen once the furniture is in your home! Investing in furniture insurance will protect your furniture from many of life’s mishaps, both big and small. Here are a few mishaps:
- Food or beverage stains on fabric, leather, and wood.
- Stains caused by grass, crayons, grease, ballpoint pen ink, and cosmetics on upholstered furniture.
- Rips, tears, burns, and punctures on fabric or leather upholstery.
- Liquid rings, heat marks, and gouges on wood and stone.
- Glass and mirror breakage.
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Furniture Insurance Can Help A Senior’s Life
The Best Furniture Insurance For Seniors
If you’re in a hurry, here are links to our favoriteBest Furniture Insurance For Seniors. We go into more detail about why we like them later on in this article.
Best Furniture Insurance For Seniors At A Glance
| # | Preview | Product | Rating |
|---|---|---|---|
| 1 |  | Allstate 5-Year Indoor Furniture Accident Protection | Recommended |
| 2 | | Allstate 5-Year Indoor Furniture Accident Protection Plan | Runner Up |
| 3 |  | Smart Guard | Budget |
#1 Our Favorite Furniture Insurance For Seniors Reviews
#1
Allstate 5-Year Indoor Furniture Accident Protection Plan ($500-$749.99)
Allstate 5-Year Indoor Furniture Accident Protection Plan ($500-$749.99) Specifications
| Term | 5 years |
| Pay Out | $500-749.99 |
| Cancellation | Any Time |
| Claim Process | Easy |
| Does Not Cover | Theft, negligence, misuse or abuse, wear-and-tear, structural |
| Price | $( Check Latest Pricing) |
| Ranking | 9.5/10 |
Allstate 5-Year Indoor Furniture Accident Protection Plan ($500-$749.99)
- The plan starts on the date of purchase. Product damages from accidents, stains, rips, and tears are covered from day one. Product breakdowns and malfunctions are covered after the manufacturer’s warranty.
- No additional costs for repairs – parts, labor, and shipping are all included.
- Cancel anytime, full refund in the first 30 days. Transferable with gifts
- Easy claims process – file a claim anytime 24/7 via mobile app, online, or phone.
Pros For Allstate 5-Year Indoor Furniture Accident Protection Plan ($500-$749.99)
- Everybody Needs Extra Coverage These Days
- It Gives Good Peace Of Mind
Cons For Allstate 5-Year Indoor Furniture Accident Protection Plan ($500-$749.99)
- Some Said It Is Not Clear What They Are Getting
#2. Allstate 5-Year Indoor Furniture Accident Protection Plan ($200-$249.99)
#2
Allstate 5-Year Indoor Furniture Accident Protection Plan ($200-$249.99)
| Term | 5 years |
| Pay Out | $200-$249.99 |
| Cancellation | Any Time |
| Claim Process | Easy |
| Does Not Cover | Theft, negligence, misuse or abuse, wear-and-tear, structural |
| Price | $( Check Latest Pricing) |
| Ranking | 9.5/10 |
Allstate 5-Year Indoor Furniture Accident Protection Plan ($200-$249.99)
- The plan starts on the date of purchase. Product damages from accidents, stains, rips, and tears are covered from day one. Product breakdowns and malfunctions are covered after the manufacturer’s warranty.
- No additional costs for repairs – parts, labor, and shipping are all included.
- Cancel anytime, full refund in the first 30 days. Transferable with gifts
- Easy claims process – file a claim anytime 24/7 via mobile app, online, or phone.
Pros For Allstate 5-Year Indoor Furniture Accident Protection Plan ($200-$249.99)
- Very Accommodating Customer Service.
- This Product Makes You Worry-Free.
- It Was Very User Friendly.
- Easy To Setup For First Time Users
Cons For Allstate 5-Year Indoor Furniture Accident Protection Plan ($200-$249.99)
- Some Said They Were Not Sure What They Paid For.
- Some Said It Was Hard Filing A Claim.
#3. SmartGuard Powered by Guardsman – 5-Year DOP – Furniture Plan ($200-300)
#3
SmartGuard Powered by Guardsman – 5-Year DOP – Furniture Plan ($200-300) Specifications
| Term | 5 years |
| Pay Out | $200-300 |
| Cancellation | Any Time |
| Claim Process | Easy |
| Does Not Cover | Theft, negligence, misuse or abuse, wear-and-tear, structural |
| Price | $ ( Check Latest Pricing) |
| Ranking | 7.5/10 |
SmartGuard Powered by Guardsman – 5-Year DOP – Furniture Plan ($200-300)
- Please note, protection plan details will be delivered by EMAIL ONLY, via AmazonSupport@Warrantech.com, within 72 hours of purchase. Please print a copy of the email for your records.
- Provides nationwide repair support, as per the terms and conditions found on the protection plan product page. Coverage and claim limits apply. See protection plan details below by clicking on the “Warranty” link. Not available in Wyoming.
- Coverage from single-use failures including tears, stains, punctures, fluids, and gouges begins on day 1. Mechanical failure coverage begins the day after the manufacturer’s warranty expiration, typically 1 year from the purchase date.
- This plan does not cover all damage or mishaps. Theft, negligence, misuse or abuse, wear-and-tear, structural, and pre-existing damage are not covered. Repairs performed without the administrator’s authorization are not covered. See plan terms and conditions for a full explanation of exclusions and limitations.
- If a covered repair cannot be completed, you will be reimbursed with an Amazon gift card for up to the amount of your original product purchase price.
Pros For SmartGuard Powered by Guardsman – 5-Year DOP – Furniture Plan ($200-300)
- It Was Well Worth The Investment.
- Not A Bad Price.
- Easy To Use.
- Better To Play Safe.
Cons For SmartGuard Powered by Guardsman – 5-Year DOP – Furniture Plan ($200-300)
- Some Said The Filing Process Was Slow.
- Some Said They Declined The Repair.
- Some Said They Can Not Figure Out How To Use It.
Conclusion
Final
As we conclude our review of the 3 Best Furniture Insurance for Seniors in 2023, I hope you now have a better understanding of the value of furniture insurance and the peace of mind it can offer. At Elderly Independence, our mission is to help you navigate the challenges of senior living, and ensuring the safety and longevity of your furniture is part of that mission.
In choosing the right furniture insurance, it’s essential to consider factors such as coverage scope, cost, claim process, and customer service. I have put together these options based on these criteria, making sure that they provide quality service and great value.
By securing the right insurance for your furniture, you’re taking a proactive step towards preserving the comfort and functionality of your living space. I trust that this guide has empowered you to make a more informed decision.
Remember, at Elderly Independence, we aim to provide credible, well-researched, and trustworthy content to assist seniors and their loved ones in their journey towards a comfortable and independent life. If you have any questions or need further assistance, don’t hesitate to reach out. We’re here to help make the golden years truly golden!
Allstate 5-Year Indoor Furniture Accident Protection Plan ($200-$249.99) is a close runner up if you want a smaller policy.
If you are on a budget we suggest the SmartGuard Powered by Guardsman – 5-Year DOP – Furniture Plan ($200-300) So we hope that helps to narrow down some of the best furniture insurances available. We’ll continue to monitor any new units that come out and add to this post if we see any that look promising.
Let us know which one you go for!
