Extend has filed an updated furniture protection plan in at least two states—Arizona and Nevada—that can cover floor models and products purchased before the service contract.

The optional structure introduces a 30-day waiting period for floor models, beginning on the product’s delivery date, and for plans purchased after the furniture has already been delivered. Extend said the waiting period is designed to manage adverse selection. Claims arising before coverage begins are treated as pre-existing conditions.

The program can cover adjustable bed bases, bed frames, electric fireplaces, game tables, indoor and outdoor rugs, furniture, massage chairs, mattresses, gazebos, pergolas, umbrellas, and fire pits. Available coverage includes accidental stains and damage, mechanical or structural failure, power surges, and certain pet-related damage.

Extend can customize the plan by retailer, including its branding, eligible products, covered events, waiting period, claims process, and inclusion of lease-to-own products.

Extend Warranty Services Corporation serves as the obligor and Extend, Inc. as administrator. The obligations are backed by AmTrust carriers.

Arizona and Nevada approved the filings on August 17. The Arizona filing has a requested effective date of September 16, while the Nevada form is effective upon approval.

Separately, filings in several states reveal a partnership between Extend and Warby Parker. The eyewear retailer is preparing to offer the Warby Parker Protection Plan by Extend, covering product failure and, when selected, accidental damage. The program also allows a 30-day waiting period when coverage is purchased after the product is delivered. This appears to be Warby Parker’s first separate paid protection plan for accidental damage.

Bottom Line: AIG comes to mind.