We have owned a 2009 Navigator for almost 2 years and have had virtually no issues, other than one roof AC that died a couple months after we purchased. Recently, we had an electrical issue in which the headlights and marker lights would not work. Thinking it was just that switch I contacted Monaco Technical and learned that Monaco and HR used multiplex wiring throughout their coaches. The end result was that it turned out to be a rather involved process to determine where the root problem was. The final cost was around $1200. The switch was $450 and the rest labor. I am very happy that we had an extended warranty that paid everything less my $200. deductible. I still believe it is a very well made coach, the only Achilles heel is that darn multiplex wiring.
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