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Old 09-07-2014, 07:20 PM   #1
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What is the best recommended extended warranty for a MH?

Hi again group,
We purchased a used 2008 Newmar Grand Star in May and are getting things set up to start our soon to be retirement RV lifestyle. Since we are newbies to solo MH ownership (have been part of group ownerships for 15+ years) the extended warranties are also new to us. Anyone have any suggestions as to who we should buy through, what coverages we should have, what "proof of insurability" each may require, and any other thoughts? This could also go out to roadside assistance coverages as well.
Thank you all for any help. We are really looking forward to this next phase of our lives.
Jim and Shawn Gallo
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Old 09-07-2014, 07:29 PM   #2
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My only experience is with Good Sam's extended service contract. It cost us $4,800 for 3 years coverage on our 2000 MH. It has $50 deductible when Camping World does the work, $1000 deductible elsewhere. That sounds quite expensive, however, To date the service contract has paid-out right at $4,000 for covered expenses, and we still have 1.5 years remaining on the contract.
IMO, buy the "seals and gaskets" rider, whichever company you sign with, it covers seals and gaskets in the drivetrain. Keep in mind there are a limited number of companies that actually pay the bill, nearly everyone you buy from(like Good Sam) is simply a broker.
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Old 09-08-2014, 07:23 AM   #3
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The best one will be the one who will take care of you when needed. Unfortunately you won't know until they're needed. We've been with www.wholesalewarranties.com for two yrs. and they've stepped up to the plate twice for us. We have the Xtraride policy with gaskets & seals.
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Old 09-08-2014, 08:15 AM   #4
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I have came way out ahead, over the last 12 years of being self insured.
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Old 09-08-2014, 08:55 AM   #5
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Alway a good idea, sad you break down or find yourself with out hot water at some time
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Old 09-08-2014, 09:18 AM   #6
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Some people feel the need for an extended warranty. They are big money makers for the dealer and the company selling them. Ever wonder why?? Some think they are worth the cost. However more people lose money on them than come out ahead. That's why they are so profitable for the dealer and company. In 55 years of driving, I have never had an extended warranty that I had to pay extra for. I can't recall one vehicle that a warranty would have saved more than it cost. Put the premium in a slush fund and pay for your own repairs. Most will come out ahead that way.
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Old 09-08-2014, 09:39 AM   #7
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An extended warranty is nothing more than an insurance policy against mechanical breakdown. Like all insurance, if you end up needing it you're glad you have it, if not it was a waste of money.

Using Ray's $4800 as an example, I'd just put that amount in a separate account as your "deductible" against any future repairs. If you're really paranoid, maybe add $50 to $100 to it every month. Odds are (many of our members have taken good advantage of an extended warranty, but again, they represent a small percentage of those that bought one) when you go to sell or trade that Newmar you'll have a nice nest egg to put toward the next one.
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Old 09-08-2014, 09:52 AM   #8
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We like most above, set money aside and self insure. Has worked for us with three MH's.
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Old 09-08-2014, 10:36 AM   #9
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We decided to get an extended warrantee and chose Wholesale Warranties. We will see how good they are when the time comes but we felt it important to have one on our new to us 06 Winnebago sightseer 29R. Which we have owned 3 weeks now.
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Old 09-08-2014, 10:43 AM   #10
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Quote:
Originally Posted by Triker56 View Post
I have came way out ahead, over the last 12 years of being self insured.
Ditto.
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Old 09-08-2014, 09:00 PM   #11
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Worked for us

Quote:
Originally Posted by jimshawn View Post
Hi again group,
We purchased a used 2008 Newmar Grand Star in May and are getting things set up to start our soon to be retirement RV lifestyle. Since we are newbies to solo MH ownership (have been part of group ownerships for 15+ years) the extended warranties are also new to us. Anyone have any suggestions as to who we should buy through, what coverages we should have, what "proof of insurability" each may require, and any other thoughts? This could also go out to roadside assistance coverages as well.
Thank you all for any help. We are really looking forward to this next phase of our lives.
Jim and Shawn Gallo
We purchased our 1st MH last year a 2008 Excursion that had only 13,000 miles. We didn't think about the "lack of use" over 5 years and while I feel it was overall a good deal we have had several major repairs to the engine and the levelers are a constant problem. We purchased a Platinum policy through Xtra-Ride. In the year we have owned it we have gotten our cost of the policy back + approximately $ 1000.00 to the good. Several of the large repairs were paid out of pocket as the repair facility won't do 3rd party billing but each time we received a check less the $ 100.00 deductible within 3 weeks of submitting without having to complain for payment. We are very happy
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Old 09-08-2014, 10:49 PM   #12
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We purchased a 4 year service contract from Wholesale Warranties just over two years ago on our '02 DS. Comprehensive coverage, $100 deductible, with Consequential Damage, and Road Hazard on my then new tires. $4700.

To date they have unhesitatingly paid on three claims totaling approx $4600, and I have two years remaining. I am pleased.
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Old 09-09-2014, 11:18 AM   #13
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I did not address your roadside assistance question, sorry. Coach-Net and Good Sam ERS both have their satisfied customers, both companies mostly use the same providers. Check closely if you consider AAA, service is not the same nationwide I'm told.
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Old 09-10-2014, 07:05 PM   #14
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Thank you all for the ideas and suggestions. It looks like its a gamble either way. But that is what insurance is all about. Do you feel lucky today or does the satisfaction of having some security behind you outweigh the cost. Now we just have to decide what to do if anything.
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