For Mattress Buyers
Why does my mattress warranty void if it gets stained?
Virtually every mattress manufacturer's warranty includes a stain-voidance clause. Warranty inspectors will not handle stained mattresses for hygiene reasons, so manufacturers exclude them. This is standard industry practice. A protection plan with stain coverage handles the stain incident in a way that preserves the manufacturer warranty's structural coverage.
What does a mattress protection plan actually cover?
Stain remediation (bodily fluids, beverages, food, ink), accidental damage (tears, rips, burns), and mechanism failure on adjustable bases. Plans run 5–10 years. See a full coverage breakdown.
Are mattress plans worth the money?
For mattress purchases above $800, with a meaningful manufacturer warranty (5+ years), and any household member who eats or drinks in bed or has occasional accidents — yes. The probability of at least one stain incident in 5–10 years is extremely high.
What does a mattress plan typically cost?
10–15% of mattress price. A $1,500 mattress plan typically costs $150–$225. Above 18% is overpriced for the coverage delivered.
How do I file a mattress plan claim?
You call the administrator directly (not the retailer) and describe the incident. The administrator dispatches a remediation technician for stains or accidental damage, or sends a replacement part for mechanism failure. See step-by-step claim filing.
Is a mattress plan the same as homeowner's insurance?
No. A protection plan is a service contract covering specific incidents on a specific product. Homeowner's or renter's insurance covers loss of property and is not designed to handle single-incident stains or mechanism failure. See plan vs. insurance.
Can I transfer my plan if I sell the mattress?
Most mattress plans are transferable, though some require a small administrative fee. Confirm transferability in the plan certificate before purchase.
For Mattress Retailers
What attachment rate should a mattress retailer expect?
35–45% for trained retailers. Mattress plans achieve some of the highest attachment rates in furniture retail because buyers immediately understand the stain-warranty problem when explained clearly.
What margin do mattress plans deliver?
45–60% net retailer margin after provider costs. Plans price at 10–15% of mattress price.
How should plans be priced across a mattress lineup?
Tiered structures outperform flat percentages. A common structure: 10% on entry-level ($499–$999), 12% mid-range ($1,000–$1,999), 14–15% on luxury ($2,000+). See pricing for conversion.
Should adjustable bases be sold under the same plan?
Yes — combined mattress + base plans deliver stronger attachment than separate plan presentations. Confirm the plan certificate covers both the mattress (stains, structural) and base (motors, electronics) explicitly.
Still Have Questions?
Both OnPoint Warranty and Guardian Products publish detailed mattress plan resources and offer direct consultations for retailers and buyers.