Montage warranty warranty denied Grand Rapids Michigan

I bought furniture from Furniture Fair and purchased the warranty from Montage. I was told that rips, tears, burns, stabs, discoloration, stains would be covered on my leather furniture. I thought it was a great deal so I purchased. After 2 years the cushion on the middle section of my leather recliner sofa where no one ever sits had a couple tears on the side. They came and said it was normal wear and tear and refused to fix or replace. The place on the couch that I sat on for 2 years is perfectly fine.. I will never buy another warranty from Montage or any other place again as it is a big rip off.. SAVE YOUR MONEY and do not line the poctkets of thieves..