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What Happens to Furniture Warranties When the Retailer Goes Out of Business?

A furniture store closing does not automatically end every warranty. Check who issued the coverage, contact the named warrantor or plan provider, and keep proof of the purchase and claim.
From TheFinanceBase Team3 min to read
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A furniture store’s closure does not automatically cancel every warranty—but it also does not mean the manufacturer must honor every promise the store made. The key is to identify who issued the coverage: the furniture maker, the retailer, or a separate protection-plan company. Check the warranty or plan paperwork, then contact the company named as responsible for claims.

This is general U.S. consumer information. The result for a particular purchase can depend on the contract, state law, and the retailer’s bankruptcy or liquidation.

Start by identifying who made the promise

A sales receipt may show the retailer’s name even when another company is responsible for the warranty. Find the warranty certificate and look for the named warrantor, claim instructions, covered defects, exclusions, and coverage period. The Federal Trade Commission (FTC) explains that under the Magnuson-Moss Warranty Act, the party that actually makes a written warranty is responsible for it. A seller that only distributes a product covered by another party’s written warranty is not responsible under the Act for that other party’s failure to perform. FTC: Businessperson’s Guide to Federal Warranty Law

  • Manufacturer warranty: Contact the furniture maker named in the warranty, even if the retailer usually handled service.
  • Retailer warranty: If the store itself made the written promise, do not assume the manufacturer has taken it on. Keep the store’s warranty, advertising, and any written statements about coverage.
  • Service contract or protection plan: Identify the company that issued or administers the contract. The store that sold the plan may not be the company responsible for fulfilling it.

Check a separately purchased protection plan

The FTC distinguishes a service contract from a product warranty: a service contract is a separate agreement, often purchased for an additional charge, that provides for product service. The company making the service contract is responsible for ensuring its terms are disclosed. Read the plan itself for the obligor or provider, administrator, claim contact, process, and any terms addressing a provider’s closure or transfer. Then contact the company identified in the contract—not just the closed store. FTC guidance on warranties and service contracts

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#1 Best Overall
ASURION 2 Year Furniture Protection Plan ($125 - $149.99)
  • No Additional Cost: You pay nothing for repairs – parts, labor, and shipping included.
  • Coverage: Coverage starts after the 30-day return period. Stains, rips or tears, seam separation, and more are covered. Defects in materials or workmanship covered after the manufacturer warranty expires.
  • Easy Claims Process: File a claim anytime online or by phone. Most claims approved within minutes. We will send you an e-gift card for the purchase price of your covered product. In some instances, we will replace or repair it.
  • Product Eligibility: Plan must be purchased with a product or within 30 days of the product purchase. Pre-existing conditions are not covered.
  • Terms & Details: More information about this protection plan is available within the “Product guides and documents” section. Simply click “User Guide” for more info. Terms & Conditions will be available in Your Orders on Amazon. Asurion will also email your plan confirmation with Terms & Conditions to the address associated with your Amazon account within 24 hours of purchase.

Contact the manufacturer if the retailer handled service

Some furniture makers rely on retailers to arrange after-sale service, so a retailer’s closure can make the practical route to a repair less clear even if a manufacturer warranty exists. Magnussen Home, for example, says it relies on retailers to provide service after a sale and also lists a Customer Care contact. That is one company’s arrangement, not a rule for all furniture brands. Magnussen Home FAQ

Ask the manufacturer whether it will accept a claim directly, whether an authorized service company or successor handles claims, and what documents it needs. If it directs you elsewhere, request the correct contact and claim procedure in writing.

Rank #2
ASURION 2 Year Furniture Protection Plan ($250 - $299.99)
  • No Additional Cost: You pay nothing for repairs – parts, labor, and shipping included.
  • Coverage: Coverage starts after the 30-day return period. Stains, rips or tears, seam separation, and more are covered. Defects in materials or workmanship covered after the manufacturer warranty expires.
  • Easy Claims Process: File a claim anytime online or by phone. Most claims approved within minutes. If we can’t repair it, we’ll send you an Amazon e-gift card for the purchase price of your covered product or replace it.
  • Product Eligibility: Plan must be purchased with a product or within 30 days of the product purchase. Pre-existing conditions are not covered.
  • Terms & Details: More information about this protection plan is available within the “Product guides and documents” section. Simply click “User Guide” for more info. Terms & Conditions will be available in Your Orders on Amazon. Asurion will also email your plan confirmation with Terms & Conditions to the address associated with your Amazon account within 24 hours of purchase.

Keep evidence and make the claim traceable

Before contacting the responsible company, gather the receipt, warranty certificate or plan contract, product name and identifying details, photographs of the issue, and earlier claim correspondence. Send the claim using the method and within the time limits stated in the coverage document. If a company refuses coverage, ask for the denial and the specific warranty or contract provision it relies on in writing.

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Know what a retailer’s closure does—and does not—settle

If the retailer made its own warranty promise, the manufacturer is not automatically responsible for it. Whether the retailer’s promise can still be enforced, and what remedy may be available, can depend on state law and the retailer’s insolvency process. The FTC’s federal guide explains general warranty rules; it does not determine an individual claim or establish what a buyer can recover from a retailer in bankruptcy.

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Special offer. See more information about Outbyte and uninstall instructions. Please review EULA and Privacy policy.
Rank #3
ASURION 3 Year Furniture Protection Plan ($350 - $399.99)
  • No Additional Cost: You pay nothing for repairs – parts, labor, and shipping included.
  • Coverage: Coverage starts after the 30-day return period. Stains, rips or tears, seam separation, and more are covered. Defects in materials or workmanship covered after the manufacturer warranty expires.
  • Easy Claims Process: File a claim anytime online or by phone. Most claims approved within minutes. If we can’t repair it, we’ll send you an Amazon e-gift card for the purchase price of your covered product or replace it.
  • Product Eligibility: Plan must be purchased with a product or within 30 days of the product purchase. Pre-existing conditions are not covered.
  • Terms & Details: More information about this protection plan is available within the “Product guides and documents” section. Simply click “User Guide” for more info. Terms & Conditions will be available in Your Orders on Amazon. Asurion will also email your plan confirmation with Terms & Conditions to the address associated with your Amazon account within 24 hours of purchase.

State law may also provide implied-warranty rights, including warranties of merchantability or fitness for a particular purpose. Federal law limits when a seller that offers a written warranty or service contract may disclaim implied warranties, but the application depends on the facts and governing law. If the responsible company will not resolve a claim, a state consumer-protection office or a lawyer can help assess the available options. FTC guide to federal warranty law and implied warranties

Quick Recap

Bestseller No. 1
ASURION 2 Year Furniture Protection Plan ($125 - $149.99)
ASURION 2 Year Furniture Protection Plan ($125 - $149.99)
No Additional Cost: You pay nothing for repairs – parts, labor, and shipping included.
$27.99
Bestseller No. 2
ASURION 2 Year Furniture Protection Plan ($250 - $299.99)
ASURION 2 Year Furniture Protection Plan ($250 - $299.99)
No Additional Cost: You pay nothing for repairs – parts, labor, and shipping included.
$52.99
Bestseller No. 3
ASURION 3 Year Furniture Protection Plan ($350 - $399.99)
ASURION 3 Year Furniture Protection Plan ($350 - $399.99)
No Additional Cost: You pay nothing for repairs – parts, labor, and shipping included.
$80.99
Bestseller No. 4
ASURION 2 Year Furniture Protection Plan ($175 - $199.99)
ASURION 2 Year Furniture Protection Plan ($175 - $199.99)
No Additional Cost: You pay nothing for repairs – parts, labor, and shipping included.
$37.99
Bestseller No. 5
ASURION 3 Year Furniture Protection Plan ($250 - $299.99)
ASURION 3 Year Furniture Protection Plan ($250 - $299.99)
No Additional Cost: You pay nothing for repairs – parts, labor, and shipping included.
$67.99
Best Value
ASURION 3 Year Furniture Protection Plan ($250 - $299.99)
  • No Additional Cost: You pay nothing for repairs – parts, labor, and shipping included.
  • Coverage: Coverage starts after the 30-day return period. Stains, rips or tears, seam separation, and more are covered. Defects in materials or workmanship covered after the manufacturer warranty expires.
  • Easy Claims Process: File a claim anytime online or by phone. Most claims approved within minutes. If we can’t repair it, we’ll send you an Amazon e-gift card for the purchase price of your covered product or replace it.
  • Product Eligibility: Plan must be purchased with a product or within 30 days of the product purchase. Pre-existing conditions are not covered.
  • Terms & Details: More information about this protection plan is available within the “Product guides and documents” section. Simply click “User Guide” for more info. Terms & Conditions will be available in Your Orders on Amazon. Asurion will also email your plan confirmation with Terms & Conditions to the address associated with your Amazon account within 24 hours of purchase.
Rank #4
ASURION 2 Year Furniture Protection Plan ($175 - $199.99)
  • No Additional Cost: You pay nothing for repairs – parts, labor, and shipping included.
  • Coverage: Coverage starts after the 30-day return period. Stains, rips or tears, seam separation, and more are covered. Defects in materials or workmanship covered after the manufacturer warranty expires.
  • Easy Claims Process: File a claim anytime online or by phone. Most claims approved within minutes. If we can’t repair it, we’ll send you an Amazon e-gift card for the purchase price of your covered product or replace it.
  • Product Eligibility: Plan must be purchased with a product or within 30 days of the product purchase. Pre-existing conditions are not covered.
  • Terms & Details: More information about this protection plan is available within the “Product guides and documents” section. Simply click “User Guide” for more info. Terms & Conditions will be available in Your Orders on Amazon. Asurion will also email your plan confirmation with Terms & Conditions to the address associated with your Amazon account within 24 hours of purchase.

Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.

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