Community Forums

Bell2245 · 02-05-2025, 05:50 PM

Low mileage 77,000. Looking for an extended warranty company to cover a 2003 Providence.

rarebear.nm · 02-05-2025, 06:12 PM

There are many very different opinions about this.

My opinion is to self-insure. If you are going to get an extended warranty I'd be sure it's an "inclusive" and not an "exclusive" policy. That way you will know everything that will be covered. What I found is that when an item fails that are in pairs the policy only covers the failed item and you are responsible to pay for the "still" working item even if they need to be replaced in pairs.

Just my opinion. For insurance policies the seller always wins in the long run.

Gravelette · 02-06-2025, 06:56 AM

I'll be really surprised if there is a legit offering that doesn't cost more than the RV. So many components are now at the end of useful life.

Ray,IN · 02-10-2025, 03:34 AM

The first hurdle is age, most will have a 15 yr old age limit. I know Good Sam would not renew me after our coach was 15. While we had the extended service contract in force, we were happy with the contract, and it paid-out more than the premiums and deductibles combined.

jacwjames · 02-10-2025, 08:14 AM

X2 on Inclusive type policy.
Language around any exclusions is the key point and any maintenance requirement are what will be difficult to abide by.

The other issue is the history of maintenance that has been done and how well the coach has been taken care of.

If you have any maintenance or DIY skills you'd be better off putting the money into an emergency fund and using that to fix stuff. With the age of your coach I'd suggest ~$10K, this doesn't include normal wear and tear such as tires, batteries, and servicing.

Dieselboy · 02-10-2025, 08:30 AM

I'd recommend self-insuring. You are not actually buying a warranty of any sort. They are service contracts. And they are designed and worded so they ALWAYS have a way of wiggling out of paying claims.

An example - "pre-existing condition" wording can be broadly interpreted by the company as anything that had an issue that could cause any issue with any other part even remotely related to it. If a coach has an EGR, exhaust parts typically are not covered by policies. So if you ever have issues with an EGR and it causes catastrophic motor damage, the company will deny the claim because it failed to to an uncovered part. Same with a plugged DPF. I realize your 2003 doesn't have either, but it's an example of how they get out of paying claims.