Premium protection for your furniture

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Our 5-Year Premium Product Protection Plan gives you complete peace of mind — helping you keep your furniture looking flawless and feeling fabulous for years to come.

Life happens — spills, knocks and little accidents are all part of a busy home. But with our premium protection, you can relax knowing your beautiful pieces are covered. If the unexpected happens, you’ll receive:

Personal support from our expert claims team
A trusted technician sent to your home to assess and repair your item where possible
A like-for-like replacement or reimbursement if repair isn’t an option
No excess fees

Because at Rowen Homes, we believe luxury should be lived in — and protected.
*Restrictions apply.

How do I get protection?

Some of our pieces come with Loxa Product Protection already included — at no extra cost to you. When this is the case, you’ll see it clearly stated on the product page.
If protection isn’t included but is available as an add-on, you’ll have the option to add it to your cart when purchasing your item.For products without either option, Loxa Product Protection isn’t available — meaning the item isn’t covered under this scheme.

What's Covered?

Accidental Stains

Protects against unexpected spills and stains from a variety of everyday household substances.

• Food and drinks
• Ink, paint, and dye
• Human and pet bodily fluids
• Cosmetics, soap, and shampoo
• Wax and polish
• Glue and superglue
• Dye transfer from clothing and newspapers
• Acids, bleaches, and corrosive substances
Water, liquid, or heat marks

Structural Defects

Protects your furniture from flaws and imperfections that may appear once the manufacturer’s warranty has ended.
 
• Frame defects like breakage or warping
• Peeling finishes on wood, veneer, or laminate, mechanical and electrical recliner defects
• Metal component bending and breakage
• Broken zips, castors, and buttons
• Seam and stitching separation
Leather hide lifting or peeling on bed frames and dining chairs

Accidental Damage

Covers occurrences such as rips, tears and burns:

• Rips, tears, burns
• Scuffs, scratches, and punctures
• Breakage, dents, chips, and scratches that penetrate the surface finish
• Glass or mirror breakage, scratches, and chips during normal use
Damage caused by pets, limited to three claims during the cover period

What's Not Covered?

  • Normal wear and tear
  • Damage in transit and pre-delivery of the item
  • Commercial use
  • Manufacturing faults
  • Third-party contractor-related damage
  • System failures, e.g. plumbing and electrical
  • Deliberate damage or damage caused by unattended stains or improper cleaning

Are There Any Restrictions?

  • You must be a UK resident and at least 18 years old
  • Your item must be kept securely in your permanent residence within the UK
  • This Insurance is only included on a complimentary basis for products where explicitly stated as such on the item description

Anything Else?

Your protection starts the moment your beautiful new piece arrives.
Once your order is received, Loxa will email you a copy of your Insurance Product Information Document (IPID) and Policy Wording.
After delivery, you’ll receive your Policy Schedule, which, together with your Policy Wording, forms your full insurance contract — giving you complete peace of mind.

About Loxa Furniture Insurance

This insurance is designed for anyone who wants to protect their furniture against accidental stains, damage, or defects. Before purchasing, please ensure it’s the right choice for you, especially if you already have home insurance coverage.

The insurance is provided by Acasta European Insurance Company Limited (registered no. 96218), authorised and regulated by the Gibraltar Financial Services Commission, and subject to limited regulation by the FCA and PRA for UK business (Firm Reference Number 456936).

Loxa Ltd acts as the Policy Administrator and is an insurance intermediary authorised and regulated by the Financial Conduct Authority (FCA no. 1018666).

You can verify these details on the Financial Services Register at www.fca.org.uk
.