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RV Extended Warranties -- Recommendations?

extended warranty extended service plan

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#1 MystreBengals

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Posted 28 December 2011 - 02:16 AM

Would love to hear from some of you about which Ext Warranties are good, or at least not bad. Are they worth the expense for someone like me who is not a big DIY'er? (I don't mean to insinuate that I can do much, I am just not really good with my hands and I have some disabilities)

We have a 2009 Monaco Knight 41SKQ 20k miles, 4 slides, Cummins 360 ISC

I have done the search, read the previous threads on the similar topics.

I am still unsure of which companies are at least reputable, should I go with the exclusionary product or are their other choices.

I have never seen an answer to the question about wholesale warranties and what they offer.

Anyone have experience with: American Bankers Life Assurance Company of Florida. Notice there are 20 complaints with BBB, all but two appear "resolved" ... this is the company WholesaleWarranties.net sent the quote for..
5 years/50k for 3700.00 Appears to be an exclusionairy policy can add consequential damage for 395, Enhanced towing for 75, Tire/Wheel 7yrs for 449

The American Bankers Life company has a C+ rating, Wholesale Warranties has an A rating. (BBB)
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Mark and Karen Pennington
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#2 bldr110

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Posted 01 January 2012 - 08:49 AM

I have Extra-Ride and have used them many times with no complaints. They pay the service center over the phone,no hassels. It was highly recomended by PPL in Houston. It has definitely paid for itself.
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#3 wolfe10

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Posted 01 January 2012 - 09:42 AM

My recommendation for researching any extended warranty is to do two things:

1. READ THE FINE PRINT.

2. Talk with the service manager of places you are likely to have service work done (or just a sampling of the larger RV, chassis and your engine manufacturer's dealerships in your area). Their recommendation on what companies pay promptly, don't look for loopholes to get out of paying each claim, etc. will be far more valuable than a small sample size of respondents here.
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Dianne and Brett Wolfe
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#4 bbnuttmann

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Posted 02 January 2012 - 12:03 AM

X2 on Extra Ride
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#5 HAPPYTRAVELER

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Posted 03 January 2012 - 06:31 PM

Depending on your handiness, and type of coach. Most are a waste of money. That is if you are handy. But read the fine print.You are always charged for the tech to evaluate the problem, not covered by any or most that is $ 129.00 to start, and then many parts are not covered or some are but the service is not, or the service may be but the part is not. Be careful. I take care of my own Class A . B)
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#6 TZScales

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Posted 03 January 2012 - 06:55 PM

I'll weigh in on this topic briefly. We have been using the same extended service plan for our RVs since 2008 and there have been some disappointments in terms of payment for items we thought should have been covered; however, we have been satisfied overall. As one poster conveyed, research the different plans and read the "fine print." Upon further analysis of the particular exclusionary items on the policy we have, we understand the innerworkings the longer we have the policy. In addition, most if not all, require the owner to maintain the RV according to a particular maintenance schedule. These receipts and/or documentation may be necessary in case an inspector requires proof of maintenance.

For us, it is insurance that is worth the risk. I do perform basic maintenance such as changing fuel filters, changing belts for engine and AC, annual maintenance on our aqua-hot heating system, changing both air and hydraulic filters and other minor upkeeps such as battery maintenance, etc.

I sure do not want to get caught with paying out of pocket for a major repair such as an injector pump replacement or either major transmission or other engine issues.

Best of luck in your decision making.
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Thomas and Deborah
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#7 sundancev

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Posted 04 January 2012 - 04:44 PM

We purchased our 39 foot Providence in August 2011 and now travel full time. We signed up for Good Sam extended warranty plan and did not use for a year. Two weeks after renewing for the second year, we had a Dometic Fridge failure with $2,000 in repairs. We elected to take the $2,000 and apply towards a new modern unit. Good Sam people could not have been easier to deal with. RV Dealer in Reno, Safari RV Repairs did not accept assignment of Good Sam so we had to pay and send in bill to Good Sam to collect. Good Sam was very prompt in remitting the funds to us as expected and agreed. Good Sam did not give us or Safari a hard time at all. Again they were superb to work with. Safari was a minor disappointment in they did not take assignment of Good Sam remittance, but they were so good about the repair/replacement of the refrigerator I cannot say enough good about them. We later met a couple in Santa Cruz who were from Northern California who told us they deal with Safari all the time in their California Store. We told them about our experience with Safari and they told us they had similar experiences. Safari is not cheap but they were worth every penny we paid. We consider ourselves to be "newbie" even though we have lived full time some 17 months and feel like we need the comfort of a Good Sam warranty. Not saying it is cheap even with $500 deductible, but as we found out, a $3,000 fridge plus installation is not cheap either. Short answer is we suggest you buy the warranty. G Paul Whorton
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#8 surfcityauto

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Posted 04 January 2012 - 10:10 PM

I purchased a 2006 Revolution 3 years ago and chose the Good Sam warranty with a $250.00 deductible. It is money well spent! They have covered approximately 15K worth of repairs over the past 3 years and I have no complaints.

I will not hesitate to renew my policy.

PK
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#9 Cookie

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Posted 05 January 2012 - 01:39 PM

We recently traded in our 1986 Honey for a 1999 Bounder with 30000 miles. The dealer wanted to sell us a service contract through a certain company, The price was $3800 for three years with a $200 deductible. I checked them out on the web at several sites, and they had nothing but a bad reputation. I didn't call the dealer back to take their offer, but they called me back and said they could lower the price to $3200. I said "no thank you". In the mean time I had done further research and found U.S. Warranty company and called and talked with them. They had NO bad comments on the web, and many good ones. I read the "fine print" and felt that it was a good deal. What I got from them was 4 years for $2800 with a $50 deductible. The payment was one-third down, and the rest in 12 equal monthly payments with no interest.

About three months after buying our coach, we had the failure of the right front leveling jack. We had it repaired at our local RV shop and they handled everything. U.S. covered everything the should have and in a very timely fashion. (they don't pay the sales tax incurred). The bill came to about $893. But the real shocker was that the deductible, instead of being $50, was $37.50. Yes, that is right, they lowered deductible. :D We were VERY happy campers.

Give them a look. No, I do not work for them :) .
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#10 Ahrmless

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Posted 19 January 2012 - 11:19 AM

Extended warranties are always controversial. I got mine through American Guardian. We paid $3,000 for three years and had a $50 deductible. Over the three years we had the warranty we received over $12,000 in compensation. Overall we were pleased. Some things that were not covered were amazing. Our policy stated that all gauges were covered. Our temperature gauge quit working and the problem was the sender. I was told the gauge was covered but the sender was not. Who would have thunk it :)

There is one very strong argument for having the policy. That is the peace of mind it gives you when driving. It was worth every penny for the peace of mine it gave my wife while driving back and forth across the USA.
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#11 abryant6

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Posted 15 November 2012 - 11:09 AM

I have had some experience with Good Sam's, extended warranty. First we had a microwave door that would not close on our 2001 Allegro. They authorized having the door repaired. This we attempted while on a trip to DC (incidentally do not use Reines RV in Virginia) only to find out that the part on an 11 year old microwave was on back-order and an indefinite delivery date, ie "discontinued"

Therefore the microwave could not be repaired but they would pay the repair allowance toward the purchase of a replacement. We elected to have this done at our home base in the Rio Grand Valley. Two months later when we were in Mission, TX and had our local RV repair facility (Bert Ogden RV) contact the warranty people could not find any record of our prior claim so they started with having it repaired, but there is no repair facility that will work on a 11 year old microwave in our area and they denied any payment. We caved in and bought one on our own at a cost of product and installation of $800.
Also beware and be aware that the Good Sam ESP sold by the dealers is not administered by the same company as the policy purchased directly from Good Sam and the two companies do not communicate or share information.

On a different situation with our Ford V-10 at a Ford Dealer GS warranty would not pay Fords nationally established charges for the alternator replacement, according to GS's established charges book it was 1.5 hours labor less and the alternator was 60% less than Ford's charges so with a $500 deductible they virtually paid next to nothing on the repair (by intent in my opinion). If you are going to be a warranty Co. you should at least acknowledge Ford's established prices on the most popular gas RV engine for over 15 years.
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#12 trutone

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Posted 10 February 2013 - 04:41 PM

I have Extra-Ride and have used them many times with no complaints. They pay the service center over the phone,no hassels. It was highly recomended by PPL in Houston. It has definitely paid for itself.

I too have Xtra ride.  Very happy with them.They are a subsidary of Protective Life Ins. Co.


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#13 abundantamanda

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Posted 18 February 2013 - 11:16 PM

We paid a lot for an extended warranty thru the dealer.  $100 deductible or $50 if we take it to the dealer we bought it from.  It has paid for many very expensive repairs but as of yet we haven't gotten what we spent back and we probably won't because the warranty requires we take our RV into a shop.  We can't have a tech come to our RV.  That's a real problem for us since our home burned up and we are now full timers.  We have several issues right now that need fixing but the shop is booking 6 weeks down the road and said they will need to have our home for 3 weeks or so.  What are we supposed to do?  Our toilet is broken (flapper wouldn't open).  My husband got the flapper open and now it stays open.  You can guess what that smells like.  He is going to fix it himself which actually really bothers me because we spent so much on our extended warranty.  We are just having to live with other issues.  I don't know about you, but the idea of living in a motel for 3 weeks and having our home full of all of our belongings in the shop, is a tough pill for me to swallow, especially while trying to work and have a normal life.  Even before we became full timers, our 2008 class A diesel broke down on a trip and we wound up in a motel for a few days.  The warranty company also decides that certain things are "adjustments" and won't pay for that.  Just something to take into account.


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#14 OBS66

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Posted 26 February 2013 - 10:05 AM

Avoid ACC warranty we have had nothing but bad with the company to the point that we asked for a refund and the owner said he would refund our money that was over a month ago and still have not received it. Will be filing civil suit. Research research research.
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#15 Medico

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Posted 27 February 2013 - 05:31 PM

I have quotes from WW, Good Sam and ACC Warranty. By far the best quote on my coach was from ACC Warranty. They are A+ rated by BBB. I found all good reviews.

 

Their Premier Extended warranty includes Roadside Assistance. Unlimited towing (this is needed with my coach because it needs to be lowboy towed), unlimited tire protection, trip interruption, etc. and the best exclusionary package I have seen.

 

I guess I disagree with the last poster. I have seen bad reports from all companies mentioned here. When I use an independent source to look for reviews, I see nothing but 4 or 5s which is the best they can get.

 

I guess my decision will be to even bother with an Extended Service Plan, or bank the money and take my chances. None of these plans is inexpensive.

 

Don't know what else to say.


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FMCA #F431170, GS #822128658, Escapees SKP #112655

 

2006 Country Coach Magna (525 HP Cat C13 1650 torque, Alison 4000 6 speed tranny), 2012 Jeep Liberty

 

 

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#16 Mexiconina

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Posted 28 February 2013 - 10:59 AM

We bought our first MH a year ago and got Good Sam Ext Warranty.  It is expensive, has a $500 deductible and hasn't yet covered any issues we've had (but we haven't had major issues, thank goodness).  Time to renew so I'm looking for an alternative.  Looked up American Guardian but was a bit put off by a very unfavorable blog from 2010 about AG not giving pre-authorization and then denying claims.  Anybody have experience in this regard . . . the one mention of AG in this thread was very favorable. 


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#17 Mexiconina

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Posted 28 February 2013 - 11:58 AM

I'm looking for US Warranty which has been mentioned favorably . . . can't find it online.  Any further information about how to get in touch?  Thanks,


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#18 Mexiconina

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Posted 28 February 2013 - 12:01 PM

TZScales -- mind sharing which insurance company you use?


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#19 Curmudgeon2

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Posted 18 January 2014 - 07:44 AM

Be extremely leery of GOOD SAM extended warranty. 

 

They would not replace the entire leaky hot water heater, only the tank.  Even when two unrelated RV repairmen refused to replace the tank with all the old gas and electric controls.  They said it was not safe and they would not be responsible or liable. To repair the problem correctly I would be responsible for the difference between a new unit and the tank only, nearly five hundred dollars.  Also, I was unable to relocate to a directed repair facility because my awning was damaged in a storm and could not be retracted.  So I was informed that the mobile RV service charge was not covered either.  So they would not make proper repairs even though it was a serious safety issue told me volumes about their penny-pinching mind set and I canceled my policy.  Then they added the insult to injury, they charge a $50 cancellation fee. 

 

Out come?  Found a new hot water heater online for less than my deductible, so with the mobile RV repair service call fee, and their cancellation fee it about a wash.

 

Will be following this forum for any bonified suggestions for a replacement policy.  Thank you.


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#20 jlandon13399

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Posted 18 January 2014 - 11:15 AM

We purchased a Cornerstone extended warranty from Lazy Days last May when we purchased our rig.  Had a slide issue which was cosmetic and not covered.  Now I have a blown rod seal in my front leveling cylinder.  Will wait to see if it is covered.  I did check out Good Sam and they were about $400 per year more than the Cornerstone policy with a $500 deductible.


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