How to Shop for an RV Extended Warranty

Determine Your Coverage Needs

Ask yourself which items, issues, or situations worry you most. Will worrying about breakdowns affect how you use your RV? Are you comfortable without tire and wheel coverage? Do you need roadside assistance?

Some RVers only worry about expensive items like the engine and transmission. Others want the most comprehensive coverage available. There's no one-size-fits-all answer.

Know Your Budget

Decide how much you can responsibly spend on coverage. Most companies offer payment plans spread over one or two years, though paying in full upfront is usually cheapest.

If you haven't purchased your RV yet, factor maintenance and repair costs into your total cost of ownership — whether you buy coverage or self-insure.

Compare Providers

Focus on the factors that matter most: total cost, deductible, number of covered items, coverage caps and limits, additional benefits, and optional add-ons.

Look for companies backed by an insurance company with at least a B rating. Choose providers accredited by the Better Business Bureau. A reputable company allows repairs at any qualified service center in the US or Canada.

Calculate the annual cost from each quote you receive. Since companies offer different coverage lengths and benefits, apples-to-apples comparison can be difficult — at minimum, compare annualized costs.