I agree that exclusionary policies are far superior. I also believe the person selling the inclusionary policies tell you they are better because thats what they are selling. A lot of people fall for the BS story, inclusionary policies are specifically designed to deny claims and are the most profitable extended warranty product that is sold (for them).
The price of most policies are based on the purchase price of the MH and on the mileage covered. Most people drive far less than the mileage they purchase. In my opinion, polices are cheaper after the warranty expires than before, you are far more likely to get a good discount in the competitive aftermarket than at time of sale. Many dealers only sell one policy and do not represent several companies which prevents you from comparison shopping.
2005 Safari Cheetah 38PDQ - 2009 Ford Flex
Me (Gatogonow), The Boss (DW), Honey Bunny, Maggie May and Mollie Kay (The Gatos)!