Return & Refund Policy

We want you to love your furniture. If something isn’t right, here’s exactly how returns, exchanges, and warranties work at Cozy & Rustic. Please read this policy carefully, as some items are final sale.

Returns on Sofas, Sectionals & Chairs

You may return unused, undamaged sofas, sectionals, and chairs within 7 days of delivery or pickup, subject to the following:

• A 15% restocking fee applies to all returns.
• A $150 revisit/pickup fee applies if we need to pick the item up and you are unable to bring it back to the store.
• Items must be returned free of damage and stains. Returns from pet-friendly homes are welcome — the restocking fee covers cleaning and sanitizing.
• Original packaging is not required.

Returns are inspected upon arrival. Once inspected and approved, your refund is issued to the original payment method within 5–10 business days.

Mattresses

• For health and hygiene reasons, mattresses are non-returnable once delivered. Minnesota law prohibits reselling used bedding, and every mattress we sell is new.
• We do not offer a comfort exchange program, so try it in the showroom first — take your time, bring your pillow. Here is the whole picture.
• 10-Year Warranty: Mattresses are covered by a 10-year manufacturer warranty against defects. A mattress protector is required and the law tag must stay on for a warranty claim.
• Adjustable bases are non-returnable once used.

Minnesota Rustic Collection

Every piece in the Minnesota Rustic Collection is made to order, so these items are not eligible for return or refund once built.

• Lifetime Warranty: The Minnesota Rustic Collection is backed by the maker’s limited lifetime warranty against defects in material and workmanship for the original owner.

Custom & Special Orders

Anything custom — including custom fabrics, special-order configurations, and other made-to-order pieces — is paid in full at order and is non-returnable once built.

• Before production begins: Cancel any time for a full refund — no fee.
• Once the item is in production: Not refundable.

Not sure where your piece sits in the queue? Call us and we’ll tell you whether your free-cancellation window is still open. Special order details.

Floor Models & As-Is Items

Floor models and items sold “as-is” are final sale — no returns or refunds.

Damaged or Defective Items

If an item arrives damaged or defective, tell us within 7 days of delivery or pickup — call or text 320-316-2665 with photos and we’ll make it right. We’ll repair or replace the item with no additional delivery or pickup fee — the restocking and revisit fees do not apply to defects.

Warranty Summary

See our Warranty Terms for the full picture.

How Refunds Work

• Refunds are issued to the original payment method. Financed purchases are refunded to the financing account.
• Refunds are processed after the returned item has been inspected.
• Restocking and revisit/pickup fees are deducted from the refund where applicable.

Questions about a return or warranty claim? Call or text 320-316-2665, or visit us at 4101 W Division St, St. Cloud, MN 56301 — we’re happy to help.