‘Goof Proof Insurance’ From Bob’s Discount Furniture Doesn’t Cover Goofs, Class Action Alleges

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Bob’s Discount Furniture Misleading Insurance Class Action Overview:

• Who: Bob’s Discount Furniture and Guardian Protection Products, Inc.
• What: Bob’s Discount Furniture and Guardian are accused of marketing and selling an insurance product for furniture that doesn’t cover what it promises to cover.
• Where: Illinois federal court

Bob’s Discount Furniture sells insurance that promises to make your furniture ‘Goof Proof,’ then denies coverage on the most basic of goofs, a new class action lawsuit alleges.

Plaintiff Gina Argenbright filed the class action complaint against Bob’s Discount Furniture and Guardian Protection Products, Inc. Monday in an Illinois federal court, alleging violations of federal and state consumer laws.

She said the furniture retailer teams up with Guardian to offer insurance referred to as “Goof Proof Protection.” According to Argenbright, to “goof” can be to make a careless mistake, or a slip, or to “engage in playful activity.” In the realm of insurance coverage, she said Bob’s defines it as offering coverage for accidental damage.

However, when consumers go to claim for the most obvious of “goofs”—including goofs they had no part in—they are denied coverage, she claims. 

In Argenbright’s case, she says she purchased a queen bed from Bob’s in 2019, along with the Goof Proof coverage for $39.99. 

In November 2020, the wooden slats underneath the bed broke when she got in. She claimed for the alleged “goof” in December 2020, but Guardian denied her claim on the basis that the coverage only covers “accidental damage” and the incident was not accidental.

“It is false and deceptive for Bob’s to market an insurance product that promises to provide coverage for ‘goofs,’ yet also describe Goof Proof as coverage for accidents,” the class action states. 

Bob’s Discount Furniture ‘Goof Proof’ Insurance ‘Denies the Most Basic Claims,’ Class Action Alleges

“Consumers understand the term ‘Goof Proof’ broadly to mean ‘mistake proof,’ i.e., if something goes wrong with furniture, they will be covered if they purchased Goof Proof. Guardian denies most claims based on ‘misuse.’ However, the definition of ‘Goof’ encompasses ‘misuse,’ even inadvertent misuse,” the lawsuit argues.

Argenbright adds that the salesperson conveyed to her that Goof Proof would cover “anything and everything,” when she asked about purchasing the coverage. 

She’s looking to represent any Illinois residents who purchased Goof Proof plans. She’s suing under Illinois Consumer Fraud and Deceptive Business Practices Act, for breach of contract and breach of warranty, fraud and unjust enrichment. 

Argenbright is seeking certification of the class action, an injunction, damages, costs, fees and a jury trial. 

This lawsuit follows a similar one filed by the same law firm last year in New York. In that case, Plaintiff Renal Glover said the Goof Proof warranty is marketed and sold to protect against furniture damage such as food and beverage stains, pen marks, tears, and punctures.

However, Bob’s Discount Furniture collects premiums and then rejects claims submitted under the warranty, he claims. 

Did you purchase the Goof Proof warranty from Bob’s Discount Furniture? Tell us about your experience in the comments.

The plaintiffs are represented by Spencer Sheehan of Sheehan & Associates, P.C. 

The Bob’s Discount Furniture Insurance Class Action Lawsuit is Argenbright et al., v. Bob’s Discount Furniture, Case No. 1:21-cv-05082 in the U.S. District Court Northern District of Illinois.

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