Guardian Protection Products Avis 

Absolutely useless company Guardian Insurance.
we purchased a new suite of furniture from Soaf.com early 2023 and unfortunately marked it with a Magic Marker in December 2023. Guardian said they will replace a cover - just a cushion cover and today in August after 8 e-mails chasing and 8 month waiting no replacement.
Dont use this service company totally useless.

Guardian customer service and the furniture protection plan they offer aren't worth $1. They will delay, look for reasons to deny claims, and do anything in their power to avoid actually covering damage to customers furniture. Avoid this scam company, the only thing you'll ever receive from them in exchange for your $500 is a furniture cleaning that's worth less than $20.

They do not stand behind their policy on spills. They say all spills covered and now not standing behind it. Waste of money!!!

Don't waste your money on their crappy protection coverage. They are crooked. I paid good money for their protection plan when I bought my furniture. About a year into my plan I filed a claim. One was to repair the recliner mechanism on my sofa and one for the finish on my end table and sofa table. The finish was starting to come off. They fixed the recliner mechanism but denied coverage for the finish peeling. These people lie through their teeth. When I called them to ask why they denied my claim on the furniture they asked me what I thought about how it happened and I told them I didn't know, that the finish on the two pieces just started peeling off. They told me that it appears that something was spilled on it and made the finish start peeling. They then asked me what I used on the furniture and I said that I have always used Pledge. Then they said that that was what was causing it to peel off. They are such liars and crooks. I talked to them today and they told me a totally different story. They were telling me this time that they only cover furniture under accidental causes. They them told me that it would be covered by coffee or other hot beverage that is spilled on it. That would be covered. So right there they are lying because they first told me that that wasn't covered. So they are denying coverage and I'm stuck with two crappy pieces furniture mynext move is to file a complaint with the Better Business Bureau.

Ridiculous! Made a claim, got told that ink, cosmetics, crayon, etc are covered, but no dye. What a useless insurance. Was totally upset. 400$ for nothing. Don‘t ever purchase.

This company is a SCAM!!!! Do NOT purchase their protection plan. Because it protects you from nothing.
To begin this nightmare story, I submitted my claim along with the pictures they requested the same day as the claim or the very next day. The following day they sent me an email stating that they received what I emailed and that they would get back with me with a determination in 5 business days. That didn’t happen. So, I called after that time frame. Once I realized I needed to escalate my concern, I ended up getting Daniel -Supervisor #1 on the phone. He promised that I would have a resolution in another 1-2 business days.
I had to call back again after the determination, I requested a supervisor review of my claim. As I am extremely unhappy with this result. I was informed by the supervisors I spoke with (Tammy & Page who is the top of the supervisor line apparently), that they don’t cover normal wear and tear even though that what was promised to me when I purchased the furniture. And that I would have needed to basically lie or come up with some type of outlandish story as to how the furniture frame broke and punctured the sleeper portion of the couch. Instead of the truth. Which was that I sat on the couch after having it for 4 years with my knee up in my lap and the frame just gave way and cracked in half.
At the time of me submitting the request for coverage I decided to also inform them of a stain that happened the weekend before that I was having trouble getting out. Do you all know that this company told me that they will send a tech out to try and remove the stain but that the broken frame piece and the puncture from that happened from the frame breaking due to regular use isn’t covered. SMH Like what?!
So, Guardian wants to only come and rub a stain out of the couch that we cannot sit on properly now because it’s damaged from regular use (because it’s a couch). How does that make any sense?
I have even asked that they send someone out to assess the damage. The supervisor said, “it’s not that the couch is damaged/broken we understand that. It’s how it was broken.” I reiterated that I didn’t do anything to the furniture but take care of it for four years and sit down on it with my knee up. I even sent them pictures. Which show that I do take very good care of the furniture and the damage the frame breaking caused. I was unable to get a picture of the break in the frame, as it’s under the couch and I didn’t want to hurt myself or damage it further by lifting it. The supervisor then said, “yeah, well if it was caused by you tripping and falling on the couch and then it broke, that would be covered.” I was baffled. So, if I’m understanding this correctly, If I would have called and lied about how the frame broke it would be covered? She then reiterates that if an “accident” like that had happened then, yes. I am appalled by the trickery and scam they pulled with this “protection plan”. This is an accident! I didn’t do anything purposely to damage the furniture.
This company is partnered with BOB’s Furniture, and they are allowing BOB’s to sell their protection plan to customers under the LIE/guise that they will be covered and taken care of if their purchase is damaged. I was assured when I purchased this coverage that it would cover any issues such as wear and tear and any other problems 100% including accidents, pets etc. Also, I used the allow because after my issue, I’ve seen thousands of people on different consumer and social media sites having the same or a very similar issue with this company. Which means that the company is aware that customers are being promised this information. Yet they have not fixed the issue with the information BOB’s is providing nor are they fulfilling what they promise to provide.
PLEASE DON’T WASTE YOUR MONEY ON THIS “PROTECTION PLAN” It’s a SCAM.
I guess I am expected to just purchase another living room set. Even though this one is still covered under a protection plan that I paid additional money for or find some way to either repair it, which I believe is unrepairable. SMH
This situation was a headache to say the least and a huge WASTE OF MONEY! If you do decide to take the risk for whatever reason, my advice, have an accidental lie prepared on your first interaction with them. Because these thieves will look for any reason NOT to cover the damage. Including taking advantage of your trust and honesty.

THIS COMPANY IS THE BIGGEST SCAM. I CANNOT IN GOOD CONSCIENCE EVEN GIVE IT ONE STAR. I PAID $250 FOR A WARRANTY ON MY $3000 COUCH AND AFTER TWO YEARS THE ARM CAME LOOSE AND I CALLED AND THEY DID NOT HONOR IT. I WEIGHT 125 POUNDS AND THERE IS NO WAY I COULD HAVE DONE THAT. IT WAS DEFECTIVE AND THEY SAID IT'S NOT COVERED. I CANNOT EVEN IMAGINE HOW THEY ARE STILL IN BUSINESS.

This Company is a big Scam please don't purchase thier warranty I font see how they are still in business also bobs furniture for promoting thier warranty. The customer service was terrible, and I waited forever for a response for them to deny my claim, due to it not occur because of an accident. Please don't purchase this warranty! It's a waste of your hard earned money!!

I purchased the protection for my couch from Bob's Discount Furniture. This coverage was supposed to cover stains rips, tears, mechanical malfunctions. I discovered a small tear that I needed fixed and my claim was denied. It was explained to me that as long as it did not occur from pets clawing or scratching it was covered. Wasted hundreds of dollars on a poor warranty. Shame on Bob's Discount as well for telling me how great the goof off protection was.

I wish I could give 0 stars. This company is a complete SCAM! We have accidental frame support damage on a couch we purchased less than 3 years ago. We have checked our coverage dozens of times to confirm this is supposed to be covered. They claim it is normal break down of furniture. How is a slipped support beam normal breakdown for a couch less than 3 years old and has been used gently? It took them over 2 months to even review the claim. After emailing and calling half a dozen times, they finally admitted that it was "overlooked" in error and they would review right away. Less than 24 hours later they rejected the claim and said there was no opportunity for any discussion or appeal of the decision. I wrote a Google review and they faked concern for my experience and told me to email so they could look further into the issue. What a surprise, that was all for appearances and they never responded. Save yourself the money and the frustration and never buy their fake protection plan. I truly wish I had done a quick search on them when the salesperson who sold us the couch asked if we wanted to buy it. I've never seen so many 1 star reviews. They are such a joke.

This warranty has to be the worst warranty I have ever had to deal with. They do not cover anything that the store, in this case Cohens furniture, says that they will. This was a waste of time and money. NEVER purchase this warranty as they are scammers!

If I could give them 0 STARS I will of. This a scam company. They won’t fit nothing and always have an excuse for everything! I told them my furniture broke and they told me I should have report it 1 months ago. Saying it broke for 1 month it late. save your hard working moneys do not purchase they SCAM insurance!

Wont even cover a simple fix of a manufacturing issue of a loose thread loop that got pulled on and is sticking out on the leather couch cushion. They will fix a broken piece of plastic from a bad design but I'm going to cancel the whole claim due to I would rather just get a refund on the plan in a few years. I don't have the tool to push the thread back into the hole, But I will figure it out and fix it my self. its pretty sad they wont fix a simple issue. I am glad its not an actual tear or they would likely come up with some "fine print" excuse not to fix it. Don't waste your money or time with purchasing protection plans from any furniture store that uses this service

Never purchase insurance through GUARDIAN PROTECTION PRODUCTS, INC. Furniture companies will sell you an insurance policy through GUARDIAN PROTECTION PRODUCTS that supposedly covers “everything”. Once you contact GUARDIAN regarding a problem like ripping, stains, piling and fraying they will refer you to GUARDIAN to file a claim. GUARDIAN DENIES ALL CLAIMS AND IS A COMPLETELY FRAUDULENT COMPANY. I have verified this through reliable sources and you may also read more complaints regarding this issue below. I am filing a complaint with the attorney general.
These fraudulent activities can not continue. Bob’s Discount Furniture is selling poor quality furniture and fraudulent insurance. The insurance company offered will find an excuse for denying all of your claims. I paid $299.00 for a 5 year warranty/insurance policy, and it is worth absolutely nothing.
Shame on GUARDIAN for offering bogus unreliable fraudulent information regarding insurance. THIS COMPANY IS INVOLVED IN A SCAM THAT WILL TAKE MONEY FROM THE CONSUMER FOR ABSOLUTELY NO COVERAGE. Shame on both of you!
Please save your money and shop elsewhere. You will only be left with faulty cheap furniture that breaks and a sick feeling in your stomach for being totally taken advantage of and humiliated BY GUARDIAN.

The biggest waste of money. Saved my money to buy a beautiful dinning room set after military retirement. Knowing that I would not be packing up and moving around anymore, I wanted to protect this expensive splurge. Stacy's furniture insisted on the Guardian protection plan.
I've had the set LESS THAN 2 YEARS and a chair leg snapped off. Natural, I sent in a claim stating what happened. There was a lot of back and forth with them stating that they needed more pictures and other documents. Only for them to say that my claim was DENIED.
I called customer service, and was told that it was a manufacture issue and not "accidental". After much debate, he gave me an example of how this issue would have been covered under the plan. he said that "If I stated that I was cooking and tripped over the chair and it fell over and the leg snapped, THEN it WOULD be covered. So, me sitting in the chair and pulling the chair out and the leg snapping is not covered? I fail to see to difference.
Now that I see the reviews with similar complaints, something need to be done to stop the scam. They play with words the deny our claims. I 'll post this review EVERYWHERE possible!!

Purchased 6 of these plans from Nebraska Furniture Mart over the years . Finally tried to use it for the first time and they don’t respond, you call over and over again and they just brush you off. What a Joke, and shame on Nebraska Mart for being in business with this sham company.

Don't even bother ... this company is a scam!

Had chip on it from moving furniture and it’s less than 3 years old coverage is good for 5 years they haven’t got a peep from me you would think they would cover the darn chip but no it doesn’t fall into the warranty coverage of how the chipped happened or when like what? its a warranty to get your stuff fixed I never abused it and they just don’t even both waste of a warranty will never get the protection plan again

This is a disgusting waranty, not worth the paper it's printed on! It certainly did not deserve even a 1 star rating. They completed denied my claim, which was justified on a less than 2 year old $3000 leather couch! Unbelievable! Guardian...poor name that doesn't guard the consumer on anything! If anyone is reading this ahead of buying this warranty, do yourself a huge favor and don't. You could just as well take you money and flush it down the toilet!

Had a spill on my furniture and they came and got it cleaned up timely under warranty. They were easy to work with and didn't push back at all. Great service, especially for a warranty company!