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Old 10-31-2012, 07:09 AM   #29
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To each his own as evidenced by the previous post...

it IS entirely up to you...
some like the peace of mind that comes with 'being covered'
some like the savings and gambling nothing will go wrong...

knowledge of the particular rv and the particular policy is the key - study them both before deciding...

Some like to change their own oil, some like to prepay and let the dealer do it under a maintenance agreement so they don't have to 'waste' the time doing it

After all, both are just insurance policies ya know

a question to those that say they wasted the money - do you consider home insurance a waste of money, or car insurance, or life insurance ?

fyi, my hand was forced in that my mfg went out of business.... but I would have probably gotten one anyway just to get over the new vehicle hump...

'11 Monaco Diplomat 43DFT RR10R pushed by a '14 Jeep Wrangler JKU. History.. 5'ers: 13 Redwood 38gk, 11 MVP Destiny, Open Range TT, popups, vans, tents...
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Old 10-31-2012, 08:03 AM   #30
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Phoenix American covered my engine, speedo cluster, AC compressor and fuel pump. Four months prior to the >$10,000 claim, I paid $4500 for a 4/48 policy. I win.

2004 32' National Sea Breeze 1311 Class A on a F-53 Chassis, CHF, TST TPMS, 5Star Tune.
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Old 10-31-2012, 08:22 AM   #31
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Originally Posted by JohnBoyToo
question to those that say they wasted the money - do you consider home insurance a waste of money, or car insurance, or life insurance ?.
What about health insurance - gap insurance - prescription drug coverage?

While I don't recommend insurance against dealer having blackjack - I've seen it work for others. But they usually had been at the table a while and had at least a sense of how hot the deck was. In new to us RV's we sometimes don't have even that much solid intel.
Steve & Annie (RVM2)
2008 Fleetwood Bounder 38F ~ 325 ISB Turbo ~ Freightliner XC 2014 CR-V ~ Invisibrake / Sterling All Terrain
Sioux Falls, SD (FullTime Since Nov 5th 2014)
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Old 10-31-2012, 08:37 AM   #32
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Originally Posted by JohnBoyToo
To each his own as evidenced by the previous post...

a question to those that say they wasted the money - do you consider home insurance a waste of money, or car insurance, or life insurance ?..
We self insure, but I do not consider it to be a waste of money, as I fully understand and appreciate the peace of mind argument. However, the Insurance guys are pretty ubiquitous with extended coverage policies for everything. I guess at some point we just decided enough was enough.

BTW I don't believe home insurance is an option if you finance your home & car insurance is definitely not an option....life insurance is definitely optional as is health insurance & extended warranties.
Jack & Maggie
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Old 10-31-2012, 09:20 AM   #33
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When I went full time, i figured since I would be using everything daily now, I looked at a lot of extended service contracts. I ended up going with Good Sam. I only used it once so far with no issues.

On the truck (tow vehicle) I have Ford's ESP. I used that once on my last truck. When I got this one, it transferred over.
John, Joyce & Zoie the Terrier. - Fulltime since 2008

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Old 10-31-2012, 09:29 AM   #34
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Yep, 7year EZCare policy from our dealer...
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Old 10-31-2012, 09:36 AM   #35
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My Good Sam extended warranty just paid the second claim in 3 months. The first was a generator part and the second was a new water heater. It has paid for itself! I have had no problems with them and was very grateful that I had the coverage when I needed it.
Barbara Spade
Jaymie (Sheltie/Pom) and Luke (Sheltie/mix)
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Old 10-31-2012, 09:51 AM   #36
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Originally Posted by Benicia Tom View Post
, also my son told me the insurance companies make money by taking a lot more money in than they ever pay out.
This point is often times made to support opposition to these policies and I don't really understand it. If they paid out more than they took in... they wouldn't be here very long. We don't begrudge any other business making a profit.

If the point is that these policies have a very high margin and should be shopped for and negotiated, I understand and agree.

Rick, Nancy, Peanut & Lola our Westie Dogs & Bailey the Sheltie.

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Old 10-31-2012, 10:01 AM   #37
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I thought the purpose of any business was to take in more money than you pay out? I know of a few posters on iRV2 that have had engine failures, are you ready to cover a $15000 to $25000 repair?
Wayne & Roberta and Maggie the Miracle Dog
08 Winnebago Destination 39W Gas UFO Workhorse Chassis
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Old 10-31-2012, 10:30 AM   #38
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We've had several TT's and fivers. I did not feel a great need for a service plan on any of them.

A motorhome however is another matter. It has all of the things a TT has, probably more, plus everything a TV would have. Probably more there too.

When we bought the 2007 Bounder we thought about it for a full day before we decided to get the extended coverage. So far I'm glad we have it. Just a couple of months ago I had to have one of the slide motors replaced and it was 'mostly' covered. It's 1/3 paid for itself already.

One of our camping buddies didn't feel the need. In the first year of owning their 2006 they've had to replace several injectors, rodents nested in their radiator causing overheating, air bag & compressor problems, leveling system problems. They hint that they're over $8,000 out of pocket but aren't too specific. I wouldn't be either.

I have never had an insurance company deney a claim for no reason. A company that routinely does so will soon be an empty building because word does get around. Expecially in the internet age.
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Old 10-31-2012, 10:52 AM   #39
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I have had two different policies on this RV. Both have paid off. Present policy is with Good Sam and that expires in December. I'm looking at other policies now - for comparison to try to make sure I'm getting the best bang for the buck. In my case I'm money ahead - having had two major breakdowns while far from home (and most of my tools). Like others I do most of the RV maintenance and repairs myself but in the comfort of our on property. Having to replace an injector pump & injectors while 3000 miles from home would have been a real inconvenience and I would have had to either buy or rent tools to do the job. That cost me me $500 deductible and some other expenses not covered such as environmental fees. Good Sam paid over $7000 on that one.
Bob, Sandi & Marmaduke the Big Pug
SW OREGON 2004 Journey 39K, 330 Cat
If towing: a 2006 Mini Cooper or 2015 RAM Limited 4X4
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Old 10-31-2012, 10:56 AM   #40
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bought Xtraride from another dealer when we bought the Winnebago. it has paid for itself and still 2 years to go. the other dealer was about half the price vs where i bought the RV.

Retired Army--Bob--2018 Allegro Bus 45OPP
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