Wayfair and Zenova teamed up to make this a 5 star rating.  All-State insurance was completely worthless, and I will never purchase the insurance from them again. 
We had a bar break about 5 weeks after purchase. I had purchased the insurance, so I contacted All-State.  They declined the claim, saying it was an issue with assembly.  This makes zero sense because it comes fully assembled.  
I contacted Wayfair, sent pictures, and explained what All-State had said. Even though my purchase was outside of the 30-day return policy for Wayfair, the Wayfair representative went above and beyond.  SHE contacted the manufacturer! Wayfair made sure to follow up and keep in contact with myself to make sure that I was taken care of.  The manufacturer apologized for the defect on our original
 canopy and quickly sent us a replacement.  So THANK YOU SO MUCH WAYFAIR!!!  We will be making additional purchases from you!