We elected to self-insure mainly because the coach was new (a year old, but a dealer leftover), had a full 1 yr manufacturer warranty and a few more years of warranty on the chassis and engine from those manufacturers.
So far, it has worked out for us. We've been able to either take care of assorted things ourselves, or find help at a price much less than the typical $100-$130 labor rate the dealers charge. We've had only one major problem, but with the help of the good folks here at IRV2, quickly and inexpensively resolved it. The power of the knowlege of others!
We'd have given a lot more consideration to an extended warranty had we bought a "pre-loved" coach, since there's no way to really tell how aggressively it might have been loved.
'07 Bounder Diesel 38N
'08 Jeep Liberty Pusher