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RV Extended Warranty Overview
As you are already aware, buying an RV is a big financial investment and you should look at extended warranty coverage to protect it. Motorhomes and towable trailers alike come in varying shapes and sizes, but these days, just about all of them contain complex features and amenities. When you spend a decent chunk of money, it is important to know how you plan to protect that investment. The thing is RVs are prone to mechanical and electrical failures. With their size and complexity, along with rising costs of parts and labor, repair expenses can put a major dent in your travel budget. So, how can you protect yourself from these costs?
If you’re an RV owner or you’re planning to purchase an RV, you may know about extended RV warranties. Unlike liability insurance, warranties are optional, but they provide additional coverage for the types of failures your insurance will not cover. Some travelers prefer to enjoy the extra protection. When it comes to personal finances, it is important to make informed decisions, which is why we are here to teach you everything you need to know about RV warranties.
RV Manufacturer Warranty
If you buy a brand-new RV, the vehicle will be under manufacturer warranty protection. These warranties are designed to protect buyers from having to pay for any faulty components installed by the manufacturer. A new rig should not be experiencing a breakdown. This type of coverage will cover repair costs for manufacturer-related problems.
The length of this type of extended warranty varies from brand to brand, but they are generally shorter than extended warranties. Your dealer will provide specific information, so be sure to ask! Typically, manufacturer warranties last between one and three years. Most coach coverage will last just one year.
As for motorhomes, the RV extended warranty on the engine may be longer. Gas engine warranties typically last for three years or up to the first 50,000 miles. Diesel engines may receive coverage up to five years, or 100,000 miles. Of course, each manufacturer will set their own terms. Keep in mind that the manufacturer’s warranty will not cover everything. Tedious as it may be, it’s key to read the fine print!
What is an Extended Warranty for an RV?
An extended warranty for your RV, in reality an extended service contract, is a contract designed to save the policyholder money on the cost of RV repairs. These coverage plans can be purchased from either an RV dealer, often at the time of sale, or a third-party extended warranty broker. In the event of an unexpected mechanical or electrical breakdown, the warranty administrator will step in to cover the cost of parts, labor, and repair. Warranties are available for both motorhomes and towable trailers. Some companies even offer policies for tow vehicles and pop-up campers.
Be sure to shop around, RV extended warranty prices vary greatly. Start by getting an RV extended warranty quote. Compare the coverages offered by each provider as they can vary greatly. Finally, research the reputation of each company you are considering for your warranty. That way, you will know what the full value is that is associated with your extended RV warranty cost.
Let us dive a little deeper into the claims process, as many wonder what it truly looks like to take advantage of this coverage once you need it! If your rig suffers an unexpected failure, then you will bring your rig to a licensed mechanic or repair facility. Some RV extended warranty providers, such as those provided by our friends at Wholesale Warranties, include mobile mechanic services, which is a huge relief if you are stuck on the road somewhere. Good Sam RV Extended Warranty is another good option, but is not as comprehensive as that offered by Wholesale Warranties.
Once the mechanic diagnoses your issue, or issues!, you will need to have a repair shop representative call your policy administrator. Once the administrator approves repairs, the shop can go ahead and complete repairs. The administrator will cover the repair costs for all covered components, while you take care of your chosen deductible and any non-covered services you may have needed.
There are two main types of extended RV warranties. Each type of coverage has the potential for significant cost savings potential. Deciding which type of policy works for you comes down to your desired level of risk, if you tend to perform your own repairs, how often you use your rig, and more.
Comprehensive RV Warranties
Comprehensive extended warranties, sometimes called listed-component plans, outline a full list of all parts covered by the contract. These plans are more affordable, and often customizable, yet they still cover most key components. Examples include the powertrain, air conditioning, generator, refrigerator, and water system. Of course, coverage will vary by provider. You will want to consider all your options.
Exclusionary Extended Warranty
Exclusionary RV extended warranty coverage provides the highest level of protection. As the name suggests, these policies cover everything except whatever items are listed under “exclusions.” These are typically aesthetic components, such as paint, windows, and upholstery. Although they cost more than comprehensive plans, they cover every working part in your RV. They provide an added layer of protection and peace of mind.
RV Warranty Eligibility
Whereas manufacturer warranties typically last one to three years, extended RV warranties last between one and eight years. The length of term will depend on which coverage your vehicle qualifies for.
When looking into purchasing coverage, it is useful to note that RV extended warranty brokers offer a bit more flexibility than the dealer. Your broker will offer a variety of customizable plans through the warranty provider. Through a broker, you can even get an extended warranty for a used RV! However, all reputable RV extended warranty brokers have eligibility requirements. This means there are caps on the vehicle’s age and mileage. Your term length and coverage will vary depending on your model, model age, and odometer.
Important Things to Consider
One of the best ways you can protect your travel budget is to stay on top of maintenance. Prevention will save you from breakdowns and extend the life of your RV. For folks who prefer to tend to their own routine maintenance, they are welcome to do so. As long as you do not make changes that impact the mechanical function of your rig, you will not void your RV warranty.
Of course, not all breakdowns are preventable. It’s a good idea to at least consider RV extended warranty protection, especially since getting a quote is free. Now that you have this information, you will be able to decide what is best for your travel lifestyle and budget goals. Get the peace of mind that an RV warranty forever will provide.