RV Extended Warranty: Do You Really Need It?

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Last Updated on February 22, 2021 by Tanmay Sarkar

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RV Extended Warranty can save a lot of money that goes into the repair of the RV.

The type of policy also makes a difference between peace of mind and worrying.

A mechanical or electrical breakdown will not matter when you have the coverage.

Let’s see what RV Extended Warranty can offer to a RVer.

What is an RV extended warranty?

RV Extended Warranty is also known as RV Warranty, RV Extended Service Contract, and RV Extended Service Plan. RV Extended Warranty is the most commonly used word for all the terms above.

So, what does RV extended warranty means?

RV extended warranty is coverage or policy that extends beyond the manufacturer’s warranty to cover the cost of repair including mechanical issues, electrical issues, appliances, and others on the RV during the policy period.

It saves you money when these issues occur on your RV by covering the cost of repair.

The RV extended warranty contract covers only things defined in the policy and generally it is offered for a period between 1 to 7 years.

RV extended warranty is different from RV insurance as RV insurance is compulsory but RV extended warranty is optional. But, it is an essential step toward risk management and keeps the RV in tip-top condition with peace in mind.

Is RV extended warranty worth it?

An RV Extended Warranty from a reputable company will save your day by spending a bit as you can save a lot later on. These policies are not for everyone but they are worth considering by people who want to protect their investment and want to manage expenses.

Some people have a bad experience with it as the company did not pay them and think they had wasted their money.

But, you will also find people who brought the right policy after due consultation and knowing the advantages and disadvantages of the policy.

Hopefully, this article will help you out by informing you about the RV extended warranty.

What’s the difference between RV insurance and an RV warranty?

RV insurance and RV Extended Warranty are two different things. Like for example insurance is mandatory in the United States for vehicles such as cars, trucks, or any other motorized vehicle. It covers incidents such as collision, physical damage, natural disaster, and theft.

Whereas, RV Extended Warranty is not compulsory in the United States and covers expenses due to mechanical and electrical issues in the RV. These types of costs are not covered in an insurance policy.

Pros & Cons of an RV Extended Warranty

Pros
  • It can decrease your RV related expenses
  • The RV warranty company will see if the RV service centers are not overcharging
  • Peace of mind as most part of your RV maintenance will be covered by the policy
  • RV extended warranty could also include roadside assistance and towing benefits
  • Most buyer will like your RV if you have an RV extended warranty as it can reduce their future cost of maintenance
Cons
  • It can be cost-prohibitive or ineligible for a policy if the RV is above 15 years older or have a high mileage
  • You may not get the value of investment back if the RV doesn’t require any major repairs.

RV extended warranty cost

The cost of buying an RV extended warranty policy largely depends upon multiple factors such as:

  • Type of RV
  • Mileage
  • Year of purchase
  • Price of RV
  • Engine type
  • RV Brand
  • Type of Model

Another deciding factor is the type of coverage you want. Similarly, RV extended warranties are less expensive on towable RVs such as travel trailers and fifth wheels compared to drivable RVs such as Class A, B, C.

The cost also varies on the deductible as to what type of deductible you select or comfortable with. In a less expensive RV extended warranty you have to pay a higher deductible compared to an expensive RV extended warranty where you have to pay a lower deductible.

The cost of the warranty also decreases as you increase the coverage period as then you can get a better average price per year.

Best time to buy RV Extended Warranty

The best time to buy an RV extended warranty is when you have purchased the vehicle as you don’t have to pay for the inspection of the vehicle.

There is an inspection cost that you have to bear before you can purchase a policy. By buying the policy sooner you can avoid price rise which keeps on increasing.

Good companies also offer a payment plan on RV. So, if you are planning to buy an RV then make sure to take a quote before purchasing.

Top 10 Most Common Warranty Claims

Warranty ClaimsEstimated Expense
Electrical $500
Air Conditioning $600-$3,500
Leveling Jacks $400-$2,000
Power Step $600
Radiator $2,000
Awning System $1,150
Refrigerator $600-$1,500
Generator $400- $4,000
Slide Outs$500-$1,700
Source: Wholesale Warranties

What does an extended RV Extended Warranty cover? 

RV Extended Warranties cover expenses risen due to mechanical and electrical failures including engine and transmission, slide-outs, leveling system, appliances, heating and cooling devices, and others.

There are two types of policy you get to choose from Exclusionary and Inclusionary RV Warranty. Let’s see what is the difference between them.

Exclusionary vs Inclusionary RV Warranty

In the Exclusionary type policy, you will get the highest level of coverage for your RV. It covers everything except what is specifically listed under the “What is Not Covered” or “Exclusions” section of the policy. Mostly it includes every mechanical component.

An Inclusionary policy is also known as a Listed Component RV warranty. This policy list item is covered under the policy or contract. The items that are not on the list will not be covered. This type of policy is less expensive than the Exclusionary type.

Another option is a Basic or Powertrain Only policy which will cover items such as the engine, transmission, and drive axle of the RV.

What isn’t covered by an RV Extended Warranty?

RV Extended Warranty does not include collision or physical damage to your RV. It also does not include RV servicing and maintenance such as tires, oil changes, and others.

RV warranties also exclude things like windows, upholstery, furniture, upgrades, lamps, and awning materials. It also excludes items such as paint, hoses, brake pads, and others.

Always read the policy and whatever you do not understand ask the dealers and company before you purchase any policy.

Video: RV Extended Warranty Details – What’s Not Covered

Does my rig qualify? 

So, do your rig qualifies for the policy. Yes, whether it is a new or pre-owned RV.

Towable RVs such as travel trailers and fifth wheels should not be 15 years or more. Motorhomes must be less than 20 years older and traveled less than 100,000 miles.

So, if your RVs fall anywhere between the mentioned range, you can opt for an RV Extended Warranty.

List of RV extended warranty companies

Here is a list of companies that offer RV Extended warranty. Please, go through their website and select the best that suits your need.

  • America’s RV Warranty: Visit
  • Good Sam Extended Service Plan: Visit
  • Eagle Vision RV: Visit
  • RVING Solutions: Visit

Video: RV Extended Warranty Questions Answered by an Expert

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