My dealer included it on our MH.
I can tell you that when you are in Jackson Hole, WY they are very little help. Their logic was that they could purchase the tire cheaper on line than the local dealer would sell it for (list in this case since there were no other options), and 7 day shipping would be cheaper than the local dealers shipping (and we did not have 7 days to sit in a parking lot).
After a LOT of negotiation that turned into arguing, they paid a little over 1/2 of my cost. Towing had to be handled by other insurance, as they had no contacts in the area.
I personally would not recommend this company. Hopefully other customers have better experience.