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What You Need to Know About the RV Extended Warranty

Have you ever worried about how to pay for an unexpected expense when RVing? RVs are notorious for having problems from slide-out malfunctions to roof leaks to engine failures. So, once the manufacturer’s warranty ends, will you have any coverage?

Today, we’re looking into RV extended warranties, what they cover, how they’re different from manufacturers’ warranties, and whether or not they’re worth the cost. Ready to learn more? Let’s dive in!

What Is an RV Extended Warranty and How Does It Work? 

RV manufacturer warranties typically last around a year. So when that first year of ownership is over, you’ll be left paying for any needed repairs. An RV extended warranty provides additional coverage for a certain time frame, like three or five more years.

RV repairs can be expensive and cause unwanted stress on a camping adventure. No matter what brand or price point, an RV will experience problems. One way to help alleviate the worry of a huge repair bill is to extend your RV warranty to cover your vehicle after the manufacturer’s warranty ends.

An RV extended warranty works similarly to insurance. You choose your policy based on what components you want to include, and you pay a deductible when it comes time to make repairs. For example, if the engine blows on a Class A, that could be thousands of dollars in repairs. With an extended warranty, you may only pay a couple hundred dollars while the warranty covers the rest. 

Considering an Extended RV Warranty? Q&A with the CEO of Wholesale Warranties!

How Much Are RV Extended Warranties? 

The cost of an RV extended warranty varies widely – anywhere from $1,000 for a short-term travel trailer policy to $20,000 for a luxury motorhome policy. Factors that affect the warranty cost include the age and model of the RV, the type of warranty, coverage length, and more.

To find out the price, warranty providers ask for information about your RV to give you an accurate quote. Some companies require payment upfront, while others allow monthly payments.

Can You Buy Extended Warranty After Purchase Of RV? 

RV owners can purchase extended warranties at any point during their RV ownership. Many used RV dealers will offer them when you buy a used RV. But there are warranty companies that offer policies just for this purpose. When the manufacturer’s warranty is coming to an end, many RVers turn to these independent companies for an extended warranty.

Where to Buy an RV Extended Warranty

It’s essential to research different warranty companies and get quotes to see which would work best for your particular situation. Read user reviews and ask other RVers for recommendations. A dealer might not be the best choice for RV warranty purchases.

There are many companies that offer RV extended warranty quotes online. Wholesale Warranties is one of the top names in warranties. This company has highly trained RV specialists and an advocacy department willing to fight for your claims and resolve any issues that arise. Wholesale Warranties also provides a variety of coverages for all types of RVs.

Extended warranties are also available through Good Sam or America’s RV Warranty. So, do your homework to choose the best option that’s right for your budget and your camping lifestyle.

What Does an Extended Warranty Cover? 

There are different types of extended warranties. Different parts of your RV require different types of warranties. So, it’s important to understand what your extended warranty covers and what it doesn’t. Here are the main types of RV warranties and what they include. 

Exclusionary

An exclusionary policy is one of the easiest policies to understand. This type of RV extended warranty includes a list of all the things not covered under your policy. Each exclusionary warranty is different, but typical exclusions include pre-existing issues, rust, headlights, carpet, cabinets, leaks caused by user error, and paint. 

Exclusionary coverage is the highest level of coverage you can get for your RV after the manufacturer’s warranty expires. These warranties cover mechanical failures and major components on the RV. If something isn’t covered, you will see it listed in the policy. 

Listed Component

You may hear a listed component RV warranty called an inclusionary warranty. Similar to the exclusionary policy, this warranty features a list of items. Only instead of listing what isn’t covered, this policy lists what components are covered. 

Essentially, only listed components have coverage. Items that might appear on an inclusionary or listed component RV warranty include the engine, air conditioner, kitchen appliances, fresh and waste water systems, generator, and leveling and slide-out mechanisms. 

Powertrain-Only

A powertrain-only warranty covers only the powertrain. This includes the engine, transmission, and drive axles. This is a bare-bones warranty that does not cover any RV “house” components or systems. It can offer peace of mind. If that’s enough for you, you may benefit from this type of warranty.

What Are The Disadvantages Of An Extended Warranty?

It’s critical to read the fine print of any RV extended warranty. You want to have a clear understanding of what is covered and what isn’t. These policies won’t cover collision-related damages or regular RV servicing. They don’t replace your insurance policy, and you’ll still need to take care of things like oil changes, tires, and rotations.

Pro Tip: RV roadside assistance is another option that can get you back on the road faster.

Is It A Good Idea To Get An Extended Warranty On An RV? 

These warranties are like additional insurance policies. You hope you never need it, but if you do, the coverage can save you thousands of dollars. It really comes down to peace of mind and risk management.

If spending a little money helps you travel with less stress and worry, that makes an extended warranty worth it. These policies save you time and money and will help you get back on the road faster in the event of mechanical failures on any part of your RV. But before purchasing an extended warranty, do your research and find the company that suits your needs the best.

Have you purchased an extended warranty for your RV? Let us know in the comments below!

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About Tom and Caitlin Morton

Tom & Caitlin Morton of Mortons on the Move gave up the stationary life for one where they are constantly on the move. They are full-time travelers, television hosts, and digital media producers.
They left their jobs, sold their house and possessions, and hit the road in September 2015 in their full-time “home on wheels”. Since then they have traveled the US, Canada, and even internationally by RV.
Now, they are Discovery Channel & PBS TV Co-stars of “Go North” on Amazon Prime Video, co-founders and instructors of RV Masterclass, and contributing authors for Hwy.co and an Arizona travel guide.

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Deborah

Friday 29th of December 2023

In February 2023 I made an “emotional” purchase, so I understand why I am unhappy with the learning curve I’ve embarked upon with my first RV nearly 1 year out…that being said, I have bought the extended warranty-don’t know if it’s inclusionary or exclusionary since both are discussed in legalese that my eyes glaze over reading! Its taken a bit of dialogue with Warranty Department initially to get service for the broken water pump I believe was patched “bandaid style” to move it off their sales lot when I took possession. A 240 mile round trip to get repaired at NIRVC, Lebanon TN, who appraised it (a 50% depreciated value on the relatively brand new rig-) :( In case I would trade up. Since I went down that road already purchasing in an emotionally charged situation, I didn’t cave.

To return to the topic at hand, being a solo widowed woman on the road for the first time in her life, I’m thinking I made the decision to get the extended warranty insurance for peace of mind. More will be revealed.

Thank you for your insightful articles, have a fantastic new year!

James B

Wednesday 11th of October 2023

Hello, Mortons. I purchased the Good Sam Tire and Wheel protection package when I purchased my 2016 Airstream Interstate GT. Recently, while traveling on I-15 in Nevada, I couldn't avoid a truck retread on the roadway and blew out 3 of my 4 rear tires. Good Sam dispatched a contractor to bring out new tires. After 5 hours roadside, the repairs were done and we were finally on our way. I learned that if you have to be stranded on the side of the road, you can't beat an RV. We had AC, food, water, TV, and a restroom (especially for the ladies). We then continued on our weekend trip. Once I got home, I called to file a claim for $1,500 worth of tires. They informed me that I only had 24 hours from the service call to file the claim for reimbursement. They denied my claim. My message is to read ALL of the fine print.

Rob

Saturday 10th of July 2021

What seems to be the average percentage mark down on a new RV lately? Before the pandemic?

Kevin

Sunday 13th of June 2021

Hello Morton’s! What was the timeline for your six-month trip that included Alaska? Is there a place for me to see that timeline and itinerary? what months were you actually in Alaska? Thanks, Kevin

Mortons on the Move

Sunday 13th of June 2021

Yes, you can find the itinerary/timeline for our Go North trip here: https://www.mortonsonthemove.com/go-north/go-north-frequently-asked-questions/