Are Furniture Protection Plans Really Worth It?

I was recently out shopping with a client at a furnishing store when the sales person offered an additional furniture protection plan. Initially, my client was unsure and looked at me with the “Is this something I need or is this sales lady just taking a large chunk of commission out of my purchase” look. She responded politely with the “I’ll think about it” response and agreed that we would discuss the protection plan later.

When we finally made our way to a corner in the showroom, she asked me if furniture protection plans are really worth it. I smiled and shook my head, “No, furniture protection plans aren’t worth it in my professional opinion.” What’s more, the sales reps usually make a 20% commission on protection plans. Not a bad incentive right?

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