La-Z-Boy 5-Year Protection Plan: What It Covers, Cost, and Is It Worth It?

When investing in new furniture, most people focus on comfort, style, and price. But one of the most important decisions often comes after that. Should you add a furniture protection plan?

At La-Z-Boy Ottawa, Gatineau and Kingston, this is one of the most common questions customers ask.

To help answer it, we spoke with Racha Pharaon, Sales Consultant at La-Z-Boy Kanata, who regularly walks customers through what the protection plan actually covers and when it makes sense.

As Racha explains, “Furniture is meant to be used every day. Spills, wear, and small accidents happen more often than people expect, especially in busy households.”

This guide breaks down the La-Z-Boy 5-Year Protection Plan, including what it covers, what it does not, how much it costs, and whether it is worth it for your home.

Key Takeaways

• The La-Z-Boy 5-Year Protection Plan is exclusive to Ottawa, Gatineau and Kingston locations
• It covers accidental damage, not just manufacturing defects
• Coverage includes stains, rips, electrical issues, and mechanical failures
• Pricing ranges from fixed tiers to 9% or 10% of the furniture cost
• If unused, customers receive 100% of the plan cost back as store credit

In This Article...

• What is the La-Z-Boy 5-Year Protection Plan?

• What Does the La-Z-Boy 5-Year Protection Plan Cover?

• What Isn't Covered by the Protection Plan?

• How Much Does the La-Z-Boy 5-Year Protection Plan Cost?

• How La-Z-Boy's 5-Year Protection Plan Compares to Standard Warranties

• Should You Buy the La-Z-Boy Protection Plan

• FAQs

What is the La-Z-Boy 5-Year Protection Plan?

The La-Z-Boy 5-Year Protection Plan is an extended service plan that protects your furniture from real-life accidents after delivery.

Unlike a standard manufacturer’s warranty, which focuses on defects in materials or construction, this plan covers issues that arise during everyday use.

Coverage begins on the day your furniture is delivered and continues for five full years.

Racha explains, “The biggest difference is that this plan is designed for how people actually live in their homes. It covers the situations that cause the most stress after the purchase.”

If a covered issue cannot be repaired, customers may receive a store credit equal to the original purchase price of the furniture.

What Does the La-Z-Boy 5-Year Protection Plan Cover?

The plan offers broad protection across fabric, leather, and wood furniture, including both stationary and motion pieces.

Here is a breakdown of what is typically covered:

The plan also includes coverage for seam separation, sleeper mattresses, and power-related electrical issues, which are often excluded from standard warranties.

Racha notes, “Most customers are surprised by how much everyday damage is actually covered. It goes beyond what people expect from a typical warranty.”

What Isn't Covered by the Protection Plan?

While the plan is comprehensive, it does have clear limitations. It is designed to cover accidental damage, not long-term wear or misuse.

Common exclusions include:

• Normal wear and tear
• Abuse or improper use
• Fabric fading or stretching over time
• Damage from pets or body oils
• Unapproved cleaning products
• Environmental damage or natural disasters

Understanding these exclusions is important for setting expectations.

Racha explains, “The plan works best when customers understand both sides. Knowing what is not covered helps avoid surprises later.”

How Much Does the La-Z-Boy 5-Year Protection Plan Cost?

The cost of the protection plan is based on the retail price of your furniture, making it flexible for both small and large purchases.

Racha notes, “For many customers, the plan costs less than a professional cleaning or a single service call, which makes it easier to justify long-term.”

Pricing may vary if upgrades such as power features are added. Exact pricing is confirmed in-store. For exact pricing, visit one of our La-Z-Boy locations in Ottawa, Gatineau or Kingston, and speak to a specialist about the options for your recliner protection plan.

How La-Z-Boy's 5-Year Protection Plan Compares to Standard Warranties

Most furniture warranties are limited to manufacturing defects and often expire after a short period for certain components. In many cases, they cover only structural issues and may require customers to cover transportation or service-related costs.

The La-Z-Boy 5-Year Protection Plan goes further by covering:

• Accidental damage like spills and stains
• Rips, punctures, and seam separation
• Mechanical and electrical issues
• In-home service from trained technicians
• Full replacement value instead of prorated coverage

This difference becomes especially important after the first year, when many standard warranties no longer cover key components like labour or electronics. The protection plan helps bridge that gap and extends coverage into real-world use.

It also includes a unique benefit. If no claims are made within five years, customers receive 100% of the plan cost as store credit, adding long-term value even if the plan is never used.

Racha says, “Most warranties are reactive. This plan is proactive. It is designed for everyday life, not just defects.”

Should You Buy the La-Z-Boy Protection Plan?

Deciding whether to add the La-Z-Boy Protection Plan comes down to how you use your furniture and how much risk you want to take on. Instead of asking if the plan is worth it in general, it is more helpful to ask if it fits your specific lifestyle.

If your home includes kids, pets, or heavy daily use, you are far more likely to deal with spills, stains, or unexpected damage. In these situations, the plan provides a clear safety net and lets you use your furniture without constantly worrying about accidents.

You should also strongly consider the plan if you are investing in higher-end furniture. Repairing or replacing premium pieces can be expensive, and even a single incident could cost more than the plan itself. In that case, the plan acts as a practical way to protect that investment.

On the other hand, if your furniture will be used lightly, such as in a formal living room or a low-traffic space, you may not get as much value from the coverage. If the risk of damage is low, it may make more sense to skip the added cost.

Racha explains, “You have to think about how your furniture is actually going to be used. The more everyday life happens around it, the more valuable the protection becomes.”

FAQs 

What's Next?

Now that you better understand the La-Z-Boy 5-Year Protection Plan, it’s time to decide if it’s the right choice for you. With coverage for accidents and the option to receive store credit after 5 years with no claims, this plan offers valuable peace of mind.

Visit one of our local showrooms located in Ottawa, Gatineau or Kingston to learn more about our protection plan. You can also schedule a visit online before coming in.

Our sales consultants are always eager to lend a helping hand. Take advantage of our interior design services to see how our furniture can fit in your home. If you’re interested in learning more about our furniture in general, take a look at our comprehensive furniture buyer’s guide.

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