Last Updated on April 20, 2025 by Jessica Lauren Vine
You want to save yourself money on repairs, and you’re asking, “Is an RV extended warranty worth it?” There are some instances that RV warranties are worth it, but not everyone should put the money out for it. RV extended warranties help cover the financial burden of component failures and repairs, which can be significant depending on the issue. Motorhome owners, in particular, face unique challenges due to the complexity of having both a vehicle and living space within a single motorhome.
RV extended warranties are similar to those for cars and trucks, but they often cover more complex systems and can be more expensive.
Yes. An RV extended warranty is worth it if you plan on taking your RV to shops or having mobile repair shops fix things. No. An RV extended warranty isn’t worth it if you plan on doing your own repairs.
What Is an RV Extended Warranty?
An RV extended warranty is meant to cover important repairs after the factory warranty runs out. Keep in mind that not all RV warranties are created equal. There are two main types of RV extended warranties: exclusionary and inclusionary. It is also important to read the fine print in warranty contracts to fully understand what is covered.
Most RV extended warranties cover parts, labor, and diagnostics needed to get your RV back on the road. This is only for things the RV extended warranty says it covers. Make sure to read the full list to see if what you’re dealing with is on the list. Exclusionary warranties cover everything except listed exclusions, while inclusionary warranties only cover listed items. Dealerships often offer RV extended warranties, but these can be more expensive than third-party options.
Keep in mind that these warranties will state contractually that they will not cover weather, accidents, or physical damage. To be covered in those areas, you need proper insurance for that—not an RV extended warranty. Most RV extended warranty policies do not cover maintenance, accidents, or physical damages, so it’s crucial to understand the limitations of your coverage. Understanding the terms of the service contract is essential to ensure you get the right coverage.
Expensive repairs can arise unexpectedly, making it important to have the right coverage to protect your investment.
Why You Should Never Buy an RV Extended Warranty
I think that extended warranties are a waste of money in most cases. When they do really make sense is when you aren’t a great saver. If you can’t save enough money to “self-insure” so you can fix things when they arise, then that might be a good idea. Costs for RV extended warranties typically range from $1,000 to $10,000, depending on various factors, so it’s important to weigh this against your ability to save for unexpected repairs. Companies operate within a business model that requires them to profit from selling warranties, which means they often collect more in fees than they pay out in claims.
However, if you know how to save and budget for unexpected repairs, RV extended warranties aren’t the best way to spend your money. RV extended warranties are usually more beneficial for RVers who frequently use their RVs, as they are more likely to encounter wear and tear. Companies make money from extended warranties by ensuring that the fees collected exceed the cost of repairs they cover.
I do have to say that not all purchases are logical, though. If you feel better because you have this coverage and it can give you some peace of mind, then go for it. But if you’re being logical, in my humble opinion, you should never buy an RV extended warranty. The purchase price of the RV can also affect your decision, as warranties included in the purchase price might offer different value compared to those bought separately.
RV Extended Warranty Frequently Asked Questions
You might have some other questions about RV extended warranties. Here are some questions and answers that can help.
Is Good Sam Extended Warranty Worth It?
Good Sam is one of the most trusted names in the RV world. If you’re going to buy an extended warranty, you can feel confident with this company’s product.
Are RV extended warranties negotiable?
Yes. As with most things related to RVs and vehicles in general, RV extended warranties are negotiable in most cases.
Why is it important to read the fine print in warranty contracts?
Reading the fine print in warranty contracts is crucial because it contains specific details about what is covered and what is excluded. Understanding these details helps RV owners avoid unexpected costs and ensures they get the right coverage for their needs.
What are the differences between service contracts and extended warranties?
Service contracts and extended warranties both provide coverage for repairs, but they differ in terms of payment and coverage specifics. A service contract requires an additional payment and can offer more flexible and comprehensive options, while an extended warranty is typically included in the purchase price of the RV and may have more limited coverage.
How does the process of transferring an RV’s warranty work, and is there a fee involved?
Transferring an RV’s warranty can vary based on the warranty provider and selected coverage. Most providers will charge a small fee for the transfer, although some, like Good Sam, might offer refunds based on the remaining time on the original contract.
What factors influence the cost of RV extended warranties?
The cost of RV extended warranties, often referred to as RV extended warranty cost, is influenced by several factors, including the type of coverage, the make and model of the RV, its age and mileage, and the insurance provider. Prices typically range between $1,000 and $10,000, and purchasing options, policy length, and RV usage can also impact the overall costs.
Is an RV Extended Warranty Worth It? – Conclusion
Now you have my two cents on whether an RV extended warranty is worth it or not. You have to make the decision for your personal situation, but I’ve given you some things to chew over.
An RV extended warranty can provide significant long-term benefits by covering costly repairs that may arise over time. Without a warranty, unexpected mechanical failures can lead to expenses that could break the bank. Given the complex nature of RVs, it’s important to be prepared for potential failures and understand that paying for an extended warranty now can save you from higher costs in the long run.
While he wouldn't recommend that, he had someplace to be and wanted to stay in California until the last minute with his family. It was quite an experience and he wants to share this one and many other experiences with RV Idiot readers.
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