Mulberry Unlimited Subscription Coverage Overview

The following is a summary of the Mulberry Unlimited subscription program [the subscription] including highlights of what is covered and program features and benefits. Limitations and restrictions are shown including requirements of the subscriber (“You”)  to maintain Your subscription and receive the benefits provided. 

The Subscription is not a Contract of Insurance. Mulberry Shield, Inc. issues a monthly service agreement which covers the obligations of Mulberry. 

Please read & review the terms and conditions here for more information regarding specific details and requirements.

How do I enroll? 

Please go here to enroll and activate Your subscription. 

How do I pay for my subscription?

Your subscription will be billed to the payment method You provide at the time of enrollment. Your billing statement will show a charge from “Mulberry Technology, Inc.” You may update Your payment information inside of Your Mulberry dashboard, the Stripe dashboard or browser extension. 

How do I add products? 

If You are a Mulberry customer and install and login to the Chrome Extension here prior to Your purchase activity, products eligible for coverage under the subscription are automatically added to your plan. 

If You do not use the extension, You can add purchases within 30 days of the date of purchase to Your subscription plan through the Mulberry dashboard here.

What products are covered? 

Products You enroll in the Subscription are covered from product malfunction to accidental damage like drops and impact protection. You get comprehensive, real-life coverage with Mulberry. See below for the most common product categories and coverage details.

Products valued up to $2,500 are eligible for coverage. You may not enroll individual products valued more than this amount. 

Note that coverage details may vary by product. To view Your product’s specific coverage details, please log in to Your Mulberry customer dashboard.

What products are not covered?

• Smartphones, mobile devices
• Tire & Wheels
• Products valued over $2,500
• Ride-ons (Bikes/eBikes, scooters, skateboards, etc)
• Remote Control Products (drones, RC vehicles, etc)
• Major automotive parts (transmissions, engines, drivetrain, etc)
• Loss, theft and mysterious disappearance
• Other products as determined by Mulberry

What does the Mulberry Subscription protect my items from? 

You are covered against: 

• Accidental damage
• Mechanical/electrical component failures
• Damage & malfunctions

Here are some examples:

• Refrigerator ice maker fails.
• Clothes washing machine transmission fails.
• Freezer compressor fails.
• Your new leather jacket gets ripped by accident.
• Toaster oven element fails to heat adequately.
• Computer power supply fails.
• Laptop is dropped and screen cracks.
• Treadmill control panel fails to operate.
• Structural failure of a couch.
• Lamp falls off a table and breaks.
• Ceiling fan motor fails. Box spring frame breaks.
• Camera lens is damaged due to accidental damage from handling.
• Flash unit fails to operate as expected.

What is not covered?

• Pet Damage
• Used Products
• Unregistered Products
• Commercial Use
• Cosmetic damage (damage that is visual and cosmetic but does not impair the proper performance of Your product)
• Damage caused by 3rd parties (including shipping)
• Damage caused by intentional acts
• Damage as a result of neglect & misuse
• Malfunction covered by the original manufacturer’s warranty
• Damage as a result of weather, acts of God, flooding, wind, fire, etc

Fraudulent claims are not covered and will result in reporting of an illegal activity

When should I file a claim? 

When You experience accidental damage from using Your product as a result of a single incident, or if Your product fails due to malfunction. 

How do I file a claim? 

Go to Your Mulberry dashboard, choose the product for a claim and follow the instructions. You are required to assist Mulberry in its review of Your claim and promise not to file fraudulent claims. This includes providing photos and videos of the defective or damaged product. You are also required to submit an original purchase receipt. 

How much can I claim? 

It depends on the product and its original purchase price. Right now, Your subscription will pay You up to $2,500 per 12-month period. However, each claim is limited to the product purchase price.

Are there deductibles or fees?

You will not be required to pay a deductible nor service fee in the event of claim.

Will Mulberry repair or replace my damaged or malfunctioning product?

Depending on the issue with Your product Mulberry will either repair or replace the products with a similar product of like kind and quality, or you will receive a reimbursement. 

Can I cancel my subscription? 

Yes, You may cancel Your subscription at any time. No refunds will be given for the current period. If You choose to cancel Your subscription all covered products will no longer be covered at the end of the current paid-in-full month. You may cancel Your subscription from the Mulberry Dashboard, Stripe dashboard or browser extension at any time. 

Is the renewal of my subscription guaranteed? 

Mulberry renews the subscription every month. If changes to the subscription benefits occur, You will be notified prior to the next month’s renewal.

 

Category Detail

Apparel

• Description of products covered
• Shirts, Shoes, Pants, Dresses, Jackets, Sweaters, Socks, Boots, Fashion Wear, Hats
• Damages Covered
• Mechanical Breakdown, Accidental Damage, Stains
• Coverage Scenario Example
• Bomber leather jacket becomes ripped due to accidentally being snagged on a sharp object. 
• Stitching on pants unravels. 
• A pair of shoes has soles delaminating.
• Example of Covered Circumstances
• Rips, Stains, Tears, Seams, Fading, Punctures

Appliances

• Description of products covered
• Refrigerators, built-in microwaves, dishwashers, clothes dryer and washer, hot water heaters, ranges, stoves, ovens, cooktops, freezers, fireplace inserts & fireboxes (not attached to furniture/not CE), furnaces, countertop & small appliances (e.g. vacuums, blenders, air purifiers, clocks, steam cleaners, grinders, hair straighteners, curling irons, sewing machines) and other similar products
• Damages Covered
• Mechanical Breakdown, Accidental Damage, Malfunction
• Coverage Scenarios
• Refrigerator ice maker fails. Clothes washing machine transmission fails. Freezer compressor fails. Toaster oven element fails to heat adequately.
• Example of Covered Circumstances
• Provider will repair or replace the covered product, at its discretion, when required due to a mechanical or electrical breakdown, including those experienced during normal wear and tear, as well as a mechanical or electrical breakdown caused by a direct result of a power surge. If food loss occurs as a direct result of a mechanical or electrical defect of a covered refrigerator or freezer, Provider will pay You a one-time reimbursement up to $500. This Agreement does not cover disconnection of appliance(s), nor does it cover the cost of hauling away or disposing of the covered product. This Agreement does not cover the cost of opening or closing walls, floors, or ceilings. 
• Excluded Parts
• Furnace
• Central Air Conditioning

Auto Parts

• Description of products covered
• Auto Parts when purchased on a standalone basis, such as batteries (auto, marine, and powersport, trailer), jeep soft tops, and auto parts included in the following categories: air, fuel, emission, exhaust, cooling and heating, electronics and navigation, tools and equipment.
• Damages covered
• Mechanical Breakdown, Malfunction (no accidental damage due to collision)
• Coverage Scenarios
• Alternator fails to produce a recharge to a battery. Side view mirror does not adjust electronically. Radiator does not cool properly or leaks.
• Excluded Parts & Coverage Scenarios 
  • Used or pre-owned products; 
  • Improper installation or attachments;
  • Batteries that are merely discharged;
  • Batteries used in vehicles for commercial use or in trucks over 1 ton;
  • Labor charges, installation charges, taxes or legislatively imposed fees to remove or replace automotive, motorcycle, marine, or RV parts and accessories or any fees related to the disposal of environmentally unsafe materials;
  • “No problem found” diagnosis;
• Covered Product damaged by abnormal use, misuse, neglect, accident, alteration, modification, or “tampering with”; 
• Failure caused by failure of a non-covered product and Diagnostic charges. If the responsibility for the replacement is covered by an insurance policy, manufacturer, recalls, or any other warranty or service contract; 
• Any damage that occurs outside the continental United States of America, Alaska, Hawaii or Canada; 
• Any cost other than the cost of the qualifying Covered Product;
• Incidental or consequential damages even if caused by the failure of the Covered Product; 
• More than one replacement of the same Covered Part. 
• For Automotive / Marine / Powersport Batteries: 
• Normal wear and tear;
• Tires and Wheels;
• Engine/Motor (crate motor, full block or half block;
• Transmissions;
• Tune-ups;
• Damage caused by neglect; 
• Improper operation; 
• Installation; maintenance; use of an accessory or part not manufactured or sold by an authorized dealer of the manufacturer;
• Operation with fuels, oils or lubricants which are not suitable for use with the Covered Product; 
• Alteration or removal of parts; 
• Water entering engine cylinder(s) through exhaust system or carburetor(s);
• Spark plugs; 
• Brake pads or lining; 
• Hoses; 
• Hose clamps; 
• Belts; 
• Shock absorbers; 
• Tires; 
• Cutting blades; 
• Gauge wheels; 
• Wheel balancing; 
• Alignments; 
• Cleaning of fuel and coolant systems; 
• Removal of carbon, varnish, sludge, or contaminants;
• Necessary fuel and ignition system calibrations and adjustments; 
• Repair caused by normal product vibration; 
• Routine maintenance; 
• Fuses; 
• Filters;
• Consumables;
• Bulbs; 
• Exterior power cords;
• Cosmetic adjustment or replacement; 
• Shell separating or cracking; 
• Paint changes; 
• Corrosion; 
• Rust; 
• Repair for grinding of valves to increase compression;
• oil consumption;
• Stuck rings; 
• Shipping or freight; 
• Burned valves; 
• Tuliped valves; 
• Adhesives; 
• Shop supplies; 
• Road service calls; 
• Environmental charges; 
• Miscellaneous charges

Bed & Bath

• Description of products covered
• Bed & Bath such as sheets, pillows, blankets, mattress pads, towels, washcloths, hangers, closet & drawer organizers, shower caddies, shower curtains, metal razor handles (not blades), hampers, clothes drying racks
• Damages covered
• Accidental Damage
• Malfunction
• Coverage Scenarios
• Sheets become stained or tear due to normal SINGLE INCIDENT use. No bodily fluids or pet stains.
• Bath towels fray or sticking comes loose
• Pillow case rips along seams
• Pillow loses stuffing

Electronics

• Description of products covered
• Televisions, tablets, laptops, computers, audio equipment, surveillance systems, global positioning satellites (GPS), video game consoles, digital picture frames, DVD/VCR and BLU-RAY players, motherboards, home theater systems, printers, projectors, telephones, media recorders, speakers, video players, scanners and other electronic devices, standalone electric fireplaces, medical appliances (e.g. cpap machines), arcade games, smartwatches.  
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage from Handling
• Coverage Scenarios
• Computer power supply fails. 
• Laptop is dropped and screen cracks

Fitness Equipment

• Description of products covered
• Climbers, steppers, exercise bikes, ellipticals, lifecycles, rowing machines, treadmills, golf clubs, tennis rackets, weights, kettlebells, other fitness equipment
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenarios
• Treadmill control panel fails to operate
• Variable Dumbbells fail to select different weight ranges
• Yoga mat rips or comes apart

General Merchandise

• Description of products covered
• General Merchandise, warrantable products not otherwise referenced herein (e.g. pet products).
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenarios
• Product fails to perform its intended use. IE, an eyeglass case does not stay closed; a retractable ballpoint pen does not extend/retract

Home Goods

• Description of products covered
• Pots, pans, utensils, glassware, dishware, food storage, knives, kettles, table settings, home decor, trash cans, buckets, ladders, step stools.
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenarios
• Glassware breaks due to normal use. 
• Table fork is bent as a result of normal use
• Teflon or ceramic pan loses its non-stick characteristics

Indoor Furniture

• Description of products covered
  • Sofas, sectionals, dressers, beds and headboards, desks, chairs, electric fireplaces that are included with furniture/cabinets, coat racks, shelves/shelving, cabinets, doors, knobs, fireplace screens, vanities, indoor ramps, windows & treatments, mirrors.
• Damages covered
  • Mechanical Breakdown & Malfunction
  • Accidental Damage
    • Breakage
    • Stains
• Coverage Scenarios
  • For most furniture other than wood or other hard surface furniture
    • Structural failure of a couch. 
    • SINGLE INCIDENT Stain on a chair or couch.
    • Accidental stains or damage that arise from a specific occurrence during normal use including: Food or beverage stains, ballpoint pen ink stains, nail polish/nail polish remover stains or damage
    • Burns that are not caused by a fire 
    • Punctures, cuts, tears, or rips
    • Seam Separation, broken zippers or buttons
    • Failure of frames, springs, mechanisms, motors, levers or hand wands, or power or remote cords used for sleeper, reclining, and inclining applications, if these components were covered by an original manufacturer’s warranty and such warranty has expired 
  • Wood and Other Hard Surface Furniture 
    • Food or beverage stains 
    • Nail polish/nail polish remover stains or damage 
    • Liquid marks and rings, 
    • Breakage, other than failure 
    • Scratches, gouges, or chips 
    • Burns or heat marks that are not caused by a fire 
    • Checking, cracking, bubbling, or peeling of the finish 
    • Chips, scratches, or breakage of glass or mirrors, Loss of silvering on mirrors 
    • Failure of frames, springs, mechanisms, motors, levers or hand wands, or power or remote cords used for sleeper, reclining, and inclining applications, if these components were covered by an original manufacturer’s warranty and such warranty has expired. This coverage applies regardless of whether the damage arises from a specific occurrence

Jewelry & Watches

• Description of products covered
• Rings, necklaces, earrings, bracelets, watches, other time pieces
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenarios
• Provider will furnish the parts and labor necessary to repair or replace the Covered Product, at its discretion, only in the event of mechanical breakdown or defects in manufacturer’s workmanship and/or materials. Provider will cover broken, bent or worn prongs, clasps and hinges; knotted or broken links in necklaces and bracelets; broken or lost pins and earring posts; restringing of stretched pearl necklaces; and, reshanking. Coverage also includes the following services for the Covered Product: refinishing and polishing; rhodium plating white gold; earring repair; chain soldering; resetting diamonds and gemstones; repair of chipped or cracked stones (including center stones); and replacement for loss of diamond or gemstone center stones or side/enhancement stones up to a maximum of 0.50 carat, due to a defect in the setting.

Tools

• Description of products covered
• Lawnmowers, residential lawn tractors, power generators, drills, saws, nail guns, pressure washer, edgers or weed eaters, chainsaws, leaf blowers, hedge trimmers, metal detectors, fireplace & fire pit tools, and other implements/tools
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenarios
• Lawn mower throttle cable breaks. 
• Cordless Drill battery wont hold a charge
• Non-Covered Parts & Scenarios

• WHAT IS NOT COVERED 

• In addition to the exclusions listed for ALL PLANS above, this Agreement does not cover:

• Normal wear and tear;
• Tune-ups;
• Damage caused by neglect; 
• Improper operation; 
• Installation; maintenance; use of an accessory or part not manufactured or sold by an authorized dealer of the manufacturer;
• Operation with fuels, oils or lubricants which are not suitable for use with the Covered Product; 
• Alteration or removal of parts; 
• Water entering engine cylinder(s) through exhaust system or carburetor(s);
• Spark plugs; 
• Brake pads or lining; 
• Tires & Wheels:
• Hoses; 
• Hose clamps; 
• Belts; 
• Batteries; 
• Shock absorbers; 
• Tires; 
• Cutting blades; 
• Gauge wheels; 
• Wheel balancing; 
• Alignments; 
• Cleaning of fuel and coolant systems; 
• Removal of carbon, varnish, sludge, or contaminants;
• Necessary fuel and ignition system calibrations and adjustments; 
• Repair caused by normal product vibration; 
• Routine maintenance; 
• Fuses; 
• Filters;
• Consumables;
• Bulbs; 
• Exterior power cords;
• Cosmetic adjustment or replacement; 
• Shell separating or cracking; 
• Paint changes; 
• Corrosion; 
• Rust; 
• Repair for grinding of valves to increase compression;
• oil consumption;
• Stuck rings; 
• Shipping or freight; 
• Burned valves; 
• Tuliped valves; 
• Adhesives; 
• Shop supplies; 
• Road service calls; 
• Environmental charges; 
• Miscellaneous charges; 
• Internal or external corrosion, electrolysis, salt or any other environmental condition;
• Inadequate or improper storage/lay up; 
• Loss or damage to optional equipment.

Lawn & Garden Accessories

• Description of products covered
• Lawn & Garden: such as implements, planters, sprinkler system parts, gates, garden décor, bird baths.
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenarios
• Shovel bends/breaks while digging a hole. 
• Sprinkler system valve fails due to mechanical breakdown.
• Planter container cracks

Lighting & Electrical

• Description of products covered
• Lamps, sconces, ceiling lamps, portable lighting, floor lighting, ceiling fans, outdoor lighting (including light bases, but not incandescent bulbs), Strip lighting.
• Damages covered
  • Lamp falls off a table and breaks 
  • Ceiling fan motor fails
  • Switch on table light fails to work
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenarios

Luggage & Bags

• Description of products covered
• Travel bags & luggage, backpacks, purses, wallets, etc
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenarios
• Wheel bearing on a rolling bag fails 
• Seam on a backpack separates

Mattresses

• Description of products covered
• Mattresses, such as Foam Mattresses, Hybrid Mattresses, Innerspring Mattresses. Box springs, foundations and adjustable bases
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenarios
• Mattress is stained. Box spring frame breaks
• Adjustable base motor fails

Musical Instruments

• Description of products covered
• Electric keyboards, pianos, acoustic guitars, electric guitars, ukuleles, banjos, string instruments, drums and drums sets, and other instruments
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenarios
• Electric Guitar pickup fails 
• Piano key sticks
• Trumpet valves stick

Office Equipment

• Description of products covered
• Printers, scanners, copy machines, fax machines, fax/scanner/copier combos, shredders, desk phones
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenarios
• Printer screen fails.
• Shredder motor short circuits.

Optical

• Description of products covered
• Eyeglass frames and lenses.
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenarios
• Eyeglass frame is broken due to normal use.
• Eyeglass lens is scratch by a single event (accumulative scratching not covered)

Outdoor Appliances

• Description of products covered
• BBQs, outdoor fountains, outdoor freezers/coolers (non-portable), outdoor fireplace inserts (not connected to furniture), firepits, extracting equipment, and other outdoor appliances
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenarios
• BBQ element for a gas grill fails, LED light fails, gate motor shorts out

Outdoor Furniture

• Description of products covered
• Patio Furniture Sets, Outdoor Tables, outdoor rugs, Gazebos, playground equipment, greenhouses, sheds, outdoor ramps.
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenarios
• Patio chair with swivel fails to function as intended
• Umbrella cranking mechanism fails
• NON-COVERED parts & scenarios
• Any stain or damage if You have not fulfilled Your responsibilities as described in these terms and conditions.
• Any stain or damage that is not specifically listed, wear-and-tear
• Plan does not cover cleaning, maintenance, or stains and damage caused by normal or ordinary wear-and-tear, including but not limited to: scuffing, scrapes, or other surface abrasions, including pilling or fraying of fabric, and surface scratches on leather;
•  The buildup of stains, soil, or damage that accumulates gradually over time from repeated use, rather than from a particular occurrence: This includes, but is not limited to, stains from perspiration, hair oil, or body oil; 
• All pre-existing stains or damage to Furniture occurring prior to the Term of this Plan, including stains or damage occurring to floor samples or other Furniture sold “as-is” before delivery;
• Odors, including odors that remain after a visible stain is cleaned; 
• Stains or damage covered under any maintenance plan, manufacturer’s warranty, extended warranty, homeowner’s or renter’s or other insurance policy or other protection plan;
• Stains or damage caused during Furniture delivery, assembly, installation, or transportation are not covered;
• Stains or damage caused by water leaks, including those from skylights, roofs, or water pipes;
• Appliance malfunctions, including but not limited to air conditioners and water heaters;
• Fire, smoke, flood, other natural disaster, or act of God, which are typically covered under a home insurance plan; 
• Theft, vandalism, or as a result of any other illegal activity.

Plumbing & Electrical

• Description of products covered
• Sinks, tubs, faucets, piping, toilets, bidets, shower doors, tub doors, valves, junction boxes, switches, wiring, conduits, breakers, faceplates, garbage disposals. lightbulbs (LED only)
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenarios
• Faucet handle breaks off
• Junction box door does not close and seal properly
• Light switch is fault/short circuited

Rugs

• Description of products covered
• Area Rugs, Hallway Runners. 
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenario
• Rug frays or seam separates 
• Rug is stained by beverage (SINGLE INCIDENT - not including build up of stains)
• NON-COVERED Scenarios
• Damage from pets, unless the pet damage add-on plan is purchased; 
• Burns and heat marks longer than one inch in length; 
• Stains caused by the delivery of the Covered Product;
• Stains of unknown origin;
• Stains as a result of acid, bleach, body oils, caustic solutions, dyes, nail polish remover, nail polish, paint, suntan oils, ballpoint ink, cosmetics and wax;
• Fabric and/or leather which has become faded, worn or soiled over time from normal everyday use or sun exposure; natural characteristics that cause appearance variations; x- coded fabrics; non-colorfast materials

Sporting Goods

• Description of products covered
• Golf clubs, skis, snowboards, basketball goals, bowling balls, goggles, helmets, volleyball nets and connecting poles, pool tables, pool cues, ping pong tables, hockey sticks, hockey and soccer goals, baseball bats, pitching nets, batting nets, tennis rackets and strings, fishing poles, paintball guns, airsoft guns, binoculars, lacrosse sticks, lacrosse goals, wakeboards, kite boards, foil boards, bike racks, travel coolers (e.g. igloo), roller skates, ice skates.
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenarios
• Lacrosse stick netting begins to fray and fail 
• Ping pong table hinge come separated from table top

Video/Audio Equipment

• Description of products covered
• Cameras, lenses, action cameras, 360 cameras, lighting equipment, video cameras, microphones, mixers, audio interfaces, audio recorders, flashes, monolights, light reflectors, headphones, amplifiers, speaker cabinet, loudspeakers, telescopes, and other equipment.
• Damages covered
• Mechanical Breakdown & Malfunction
• Accidental Damage
• Coverage Scenarios
• Camera lens is damaged due to accidental damage from handling
• Flash unit fails to operate as expected.