Rooms To Go review: Fortegra

I purchase a furniture protection plan from Rooms To Go, which is administered by Fortegra. When I purchased this plan for nearly $350, I was assured by the sales representative and marketing materials that it would provide extensive coverage for accidental stains and damage. However, now that I need to use the coverage, I am finding that the service is completely ineffective and misleading.

I recently contacted Fortegra to report an accidental stain and a developing rip in my couch. To my surprise, the representative dismissed my concerns, stating that my particular stain was not covered and that I should contact Rooms To Go for a cleaning solution. Additionally, regarding the rip, I was told that coverage only applies to “accidental” damage — as if my couch ripping on its own was something I intentionally caused. This interpretation is absurd and contradicts the reasonable expectations set by the sales team at Rooms To Go.

When I reached out to Rooms To Go for assistance, I was told that I had to deal directly with Fortegra and that they could not help, despite being the company that sold and co-branded this service. This lack of accountability is unacceptable. I was led to believe that this protection plan was a worthwhile investment, yet now, I am being given the runaround with no way to escalate my claim or receive the support I paid for.