The furniture wasn’t bad. Has lasted three years now. Was told if I didn’t use the insurance service for problems I would get my $200+ back with a check. I asked what I had to do to get the money back if I didn’t use it. They said that I had to do nothing. They would send a check. Instead of that they sent me a card that said I had this money as a credit for more furniture from Badcock. I thought that wasn’t right but hey if there is something on sale I could get this additional off. Nope, it was only on items without discounts which is quite useless. Made a call to customer service and they said they would have it put in their training program and they were really sorry. Wow. Lied to but they are sorry.