Insurance is a way to protect your investments so they don’t get damaged or lost. For example, when you buy a new car, the common practice is to purchase full coverage insurance in case anything happens to it. The same applies to mattresses also. To keep your mattress safe from accidents and damage, you may need a mattress protector. Best Mattress Protector. You might have to pay extra for a warranty if your mattress gets stained even just once. Just like insurance, a mattress protector can protect you from the high cost of replacing your mattress should it get stained or ruined by accidents. It’s easy to see the benefits of a mattress protector, including avoiding spills, and stains, and maintaining the durability of your mattress. Mattress protectors can help keep your mattress safe from accidental damage.