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Extended Warranties for your RV


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I'm researching Extended Warranty Policies.  So far I've looked at Good Sam and America's RV Warranty.  Has anyone had experience with America's RV Warranty administrated by Headstart Warranty Group?  I'm trying to find real life reviews of their claim service.  Does anyone recommend a particular company?

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Some of us just self-fund.  Put the amount of the insurance into an account and. ADD TO IT EVERY MONTH.   I know it doesn’t work for everyone, but it worked for us.   Plus, we have found that if one or two parts has a problem, them both are replaced.   But, you have to be steadfast in setting aside that money each month.

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The extended warranty is nothing more than an insurance policy.  You are betting you will get more back than you put into the premiums.  The warranty is betting that you will not get back nearly as much as you repay in premiums.

As Barbara noted above, many self-fund the repairs.  Take the amount you would pay to the warranty company and set it aside and use this for your repairs.  

Ken

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17 hours ago, Downsizing said:

I'm researching Extended Warranty Policies.

As always seems to be the case, your first responses are anti-extended warranty posts. But the actual facts are there there are RV owners who have purchased them and been very satisfied with the services received. While it is true that the so called extended warranties are actually insurance policies, those who say that with such negative intentions buy insurance for their homes and cars and that is little different. The question of getting one or not should be approached in a business like manner. Good business principles say that you should insure to cover any loss that would cause you serious financial harm, but do not insure to cover things that your financial circumstances can cover without undue stress.  None of this or the first to replies address your question at all, so I'll restate it in the hope that people will cooperate and stop trying to convince you of their own opinions. 

17 hours ago, Downsizing said:

Has anyone had experience with America's RV Warranty administrated by Headstart Warranty Group?  I'm trying to find real life reviews of their claim service.  Does anyone recommend a particular company?

(Emphasis added)

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I am appreciative of all perspectives. However, I have already decided to get an extended warranty and just need some real life experiences with various companies to help me choose the best option. Does anyone have an extended warranty plan they are happy with? Or they definitely warn against? Has anyone heard of America’s RV Warranty? So far they are the best policy for the money. 

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Years ago we had Xtra Ride and they treated  us good when we had to use it.

You need to read the policy in detail and see if it is an exclusionary policy of inclusionary policy.  Make sure that you have full refund cancellation ability for at leash the first 90 days so that you can fully review all the warranty documents.

Ken

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3 hours ago, Downsizing said:

So far they are the best policy for the money.

A few years ago I did a lot of research on the subject and one of the more interesting things that I discovered was that majority of the satisfied customers came from those with the more expensive warranties, while most of the unhappy ones came from those with lowest prices. That isn't to say that this is not a good contract, but it is a caution to be very careful and read each word of the contract before you sign and pay for it. 

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Kirk, I never said someone shouldn't get one, just said that there is another way to cover your risks.    Yes, we have collision insurance on the car and the motorhome.  But for each of those we have a 1K deductible, and the cost of them is reasonable.   Yes, we had the funds to set up an account for repairs, but also that same fund is for routine maintenance and for replacement of tires/batteries, etc.      

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My rule of thumb is, “if it has a motor and a transmission, I want an extended warranty.” If either the motor or transmission goes out and all you have is the amount of premium you would have paid and a few monthly deposits in an account you will not be able to cover the cost of repair. If you are purchasing only a trailer or 5th wheel, and you are good at fixing things maybe you could go without the purchase of an extended warranty. To each his own. 

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When we started we put 10% of the purchase price of the motorhome into our maintenance fund.  Yes, that was a fair chunk of change and we have been adding to it, each month, for the past 16 years.   From this we pay for all repairs, yearly maintenance, upgrades, replacement of tires/batteries, etc.    Maybe we are unusual in the amount we set aside to begin with, but then I always had a year's worth of mortgage payments set aside, just in case, plus 6 months of living expenses.  

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On 4/28/2021 at 11:43 AM, Downsizing said:

I'm researching Extended Warranty Policies.  So far I've looked at Good Sam and America's RV Warranty.  Has anyone had experience with America's RV Warranty administrated by Headstart Warranty Group?  I'm trying to find real life reviews of their claim service.  Does anyone recommend a particular company?

I really am looking for specific reviews on extended warranty companies. I am not asking about alternatives. Has anyone had experience with America’s RV Warranty?  I am looking for a real life review of there claim response. 

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About 15 years ago, we had Xtra Ride extended warranty and the did well on the covered items.  But if it was an excluded item, no way would they pay.  Like I noted earlier, carefully read the contract/policy to know exactly what is and is not covered.

On the RVs since then we self-cover on the repairs.

Ken

Edited by TXiceman
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57 minutes ago, Downsizing said:

Has anyone had experience with America’s RV Warranty?

Since nobody has yet responded to your question, I did some researching on the company. The Better Business Bureau gives them an A rating, so very nearly a top rating, since A+ is top. The BBB customer reviews give them a 4.41 out of 5 possible. 

In addition, Today's Best gives them their top rating.

If I were shopping for one today, I would compare to the offerings of Wholesale Warranties.

Hopefully we will get responses from others with current experience as it has been some time since I last had an RV with one. 

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