There are two discussions here: (1) Should you buy repair insurance at all and (2) which one.
Whether to buy it is a money-management question. You either pay the premiums and co-pay on the repair insurance, or you put money aside and pay for repairs as you go. The repairs cost the same either way, and the insurance company fully expects to collect more from you in premiums than it pays to the shop for repairs. You are gambling that our repairs will exceed the average RVers cost of repairs. That works if you have a major repair or an awful lot of routine ones, but not if you have typical repair costs. You should also be aware there will be repairs that are not covered at all, so read the exclusions carefully. There are a lot of them.
As for which one, we have the RV Shield policy and are satisfied. They are sold through many dealers and brokers. I woud suggest getting quotes from online brokers rather than buying though a dealer, unless you can negotiate a good discount with the RV dealer. Extended service plans are a big money-maker for dealers - they get a hefty sales commission on them. Sometimes approaching 100% of the true cost.
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL