Highest Deductible for DP warranty?

[mtofell]

I've always gone for high deductibles on insurance when possible and it has paid off for me. As I read thread after thread of extended warranty debates I don't think I've seen much about the specifics of the plans.

It seems like many (most?) folks are stuck between getting a warranty or not. Well, how about somewhere in between? I'm not in a class A yet so haven't done much more research than forums like this. So, what are the deductibles on these policies? How high can they go?

The things I'd really be looking to insure against are major, major things like the rare engine failure that costs 30K. I'm thinking maybe a deductible of a few thousand or maybe even 5K? Is this possible and, if so, how does it affect premiums?

[vsheetz]

Can't help with so specific answers, but do agree with carrying high deductibles. It falls under the concept of being self insured as much as reasonable given the insurance costs and personal situation.

[adamfolger]

GoodSam just gave me a written quote on my 2001 Dynasty with a $1,000 deductible at $165 a mo. Like you I'm only worrying about "Murphy" and engine failure. One of our long time members, who is also full time, had to sit in a work camping position for two years saving money for an engine rebuild. I try to learn from other peoples mistakes.

[adamfolger]

The $500 deductible was $300 a mo and $100 was ....really?

[Sandy Swede]

I just purchased a 4yr 48k mi service contract (these are not "warranties") from Coach-Net with their highest deductible being $200. Cost for our 2004 Newmar Dutch Star 40' DP was $6,038 upfront for the Preferred, Consequential Damages, coverage. You can get a copy of the contract form before you sign. Good luck.