You buy life insurance, vehicle insurance and home insurance, as well as policies on anything particularly valuable to you, often at the time of purchase. Insurance on appliances like washers, dryers and refrigerators is pretty common to help protect you against a breakdown after the warranty runs out, which is usually when these things happen. You can buy insurance on electronics like computers, and many of us pay a little extra fee on our mobile bills each month so that we can get them repaired and replaced without any extra costs.

Insurance bills each month can amount to quite a bit of money. So when purchasing furniture, should you add to your insurance costs by purchasing furniture insurance? When you shop at major outlets like Littlewoods Direct where you can find half-price sales and even less than half price sales on things like beds and couches, do you need to pay extra to protect these items? Yes, they are expensive but unlike appliances that have moving parts that are necessary for operation, most furniture is stationary and so there’s nothing to break down.

Furniture insurance, like that offered by stores like Argos, protects you against things like breakage, stains, tears and other damage. To determine whether this is something you should get, think about the furniture you currently have. How long did you use it before any damage like a stain or tear occurred? If you haven’t had this problem at all, then it seems unlikely you would need to spend money to insure the furniture you’re purchasing now.

And major damage to furniture, as well as things like theft, should be covered under your standard home insurance policy. Don’t forget, even furniture comes with some type of warranty or guarantee for at least a short period of time that states the furniture will hold up to regular use. That might really be all you need.

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