In 2018 I bought a bunk bed for my children from Bob's. Well, Dec 2019, my child was laying down in the trundle and we heard a large crack. Upon investigation, we noticed that the wood splintered by the wheel from the trundle and the wheel came off. We immediately reported it. Apparently, this is not considered an "accident" and therefore, they will not cover it. This is fraud and we will no longer buy from Bob's and ever use Guardian to cover it. I suggest you do the same.