There is coverage for normal wear and tear. Most credit card companies exclude coverage for normal wear and tear; Mulberry Unlimited includes normal wear and tear as part of the coverage for many product categories. Damage such as seam separation on your sofa, your coffee table becoming discolored from continuous sun exposure, or your tablet's USBC port wearing out would be included in Mulberry Unlimited’s coverage, while with most credit card warranties you’d be on your own.