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Old 06-09-2020, 06:19 AM   #1
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New RV. Insurance and Extended warranty.

2015 Newmar Ventana LE

I have a deposit on a "new to me" 2015 Newmar Ventana LE with only 7000 miles on it. its been stored inside a climate controlled garage for the last couple of years.

I need to insure it and Id like some opinions on getting an extended warranty for it. Our cars are insured by USAA.

I don't really need specifics ..... just opinions on who I should look at. The same thing for the extended warranty.

We are new to the motorhome community. thanks
chuck
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Old 06-09-2020, 06:32 AM   #2
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I'm also with USAA for my daily driver but they passed me to Progressive for the RV. Had two claims over the years, windshield crack that was fixed without replacing the glass and a $7K fiberglass repair to the rear cap last fall. Rates have stayed reasonable over the past 9 years with only a few dollars of increased over the time period even with the claims that were handled quickly. I'm not full timing and the coach only gets used about 50 nights a year which I disclosed to Progressive.

Regarding an extended warranty policy all I can say is read the fine print, particular what is not covered. I did not get a policy but my coach is pretty simple and has been easy to repair. With a five year old coach rates should be reasonable. Think of coverage in the terms of life insurance. Inexpensive when you're 30 but high when your 60.
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Old 06-09-2020, 06:40 AM   #3
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We were in a similar situation recently, but bought a New 2020 Bay Star, we pick it up Friday.

USAA sent me to Progressive, I have our quad insured with them, and their policy looked good, but I went with National General through Good Sam. The feature that pushed me over was with Nat Gen was I could do storage coverage for 6mos and save on the years premiums, I couldn't do that with Progressive. The savings made Nat Gen cheaper with what appeared to be a better policy. I've heard and read good things about both, but Nat Gen seems to have a better name in the RV community.

Good luck and enjoy your new Ventana.
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Old 06-09-2020, 06:49 AM   #4
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I am also insured with USAA, both autos and mh. I was told by USAA rep when we bought the mh that they only insured in a few states, otherwise they passed you off to Progressive. It's worth checking with them to see if you can keep all your vehicles on one policy. They were amazingly helpful when I had a self -caused crunch to my almost new Allegro Bus.
I'm in the group that does not believe that extended warranties are cost effective. I would advise putting the same amount of money into a savings account just for mh repairs, and in most cases you will be better off . If you have reason to be concerned about the condition of the mh you are buying, then maybe it warrants a reconsideration. JMHO
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Old 06-09-2020, 06:51 AM   #5
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There are plenty of posts re: extended warranty / service contracts. Nothing new to post. It's a topic that has been beaten to death. Best is to use Search to get the two opinions.
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Old 06-09-2020, 09:01 AM   #6
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Thanks everyone. I appreciate all the input. Im still making a ton of phone calls trying to sort it all out. I will certainly keep you posted.

In regards to the extended warranties ...... I agree, a separate savings account just for repairs may be the way to go. When I talked to Good Sam they were very cordial until I started asking what "is not" covered in the policy. The list never seemed to end. Example .... they cover the engine but not the carb, hoses, belts, CC, exhaust, etc etc or anything that's attached to the engine.
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Old 06-09-2020, 01:14 PM   #7
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Hi Chuck! I'm not a fan of extended warranties on RV's. I think that, in most cases, you will come out ahead to put that same amount of money into a special bank account to be used only for RV repairs. JMHO
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Old 06-09-2020, 01:43 PM   #8
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Seems to me, the reason to purchase a 'warranty' is to help pay for a breakdown that is so expensive it would wreck your budget. That aside, be sure any policy you look at is an 'exclusionary' one--it specifically states what is NOT covered. One name that seems to get better reviews is Wholesale Warranties.
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Old 06-09-2020, 02:40 PM   #9
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Quote:
Originally Posted by MSHappyCampers View Post
Hi Chuck! I'm not a fan of extended warranties on RV's. I think that, in most cases, you will come out ahead to put that same amount of money into a special bank account to be used only for RV repairs. JMHO
That's what we did and luckily, never needed it for repairs!

Side Note to MSHappyCampers: You haven't been on the forum since March. Hope everything is OK!
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Old 06-09-2020, 02:50 PM   #10
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Check out Hartford AARP for insurance, I save $1000 by bundling all my insurance with them. For a service policy, give Wholesale Warranties a call. I haven't heard any complaints about the companies they represent.
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Old 06-18-2020, 07:30 AM   #11
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After a couple of weeks searching/evaluating RV extended warranties it looks like Im going to go with Wholesale Warranties. The local RV dealers recommended Easycare but I didn't like their coverage. Wholesale Warranties is rated A+ from the BBB and have very few complaints. They seem to also have some of the best coverage. Almost everyone said stay away from Good Sam.
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