RV Extended Warranty Companies

Warranty 101

RV extended warranties, also called extended service contracts, are policies designed to protect RV operators from the rising costs of repairs. An extended warranty is a great way to safeguard your travel budget from the high repair costs associated with unexpected breakdowns.

In the event of a defect or breakdown, the warranty provider will cover the cost of repairs for all covered components. Once a service provider is authorized to start repairs, the warranty provider will provide an invoice to the repair shop. After providing the deductible, the RV warranty policyholder will not have to cover out-of-pocket expenses for any covered parts.

However, not all RV service providers accept warranties, which can make finding the right technician more challenging—especially if you are out on the road. But don’t let this stop you from securing protective coverage for your RV! At RV Repair Direct, we offer accessible and transparent information about whether our partners accept warranty coverage, along with RV extended warranty recommendations, to help you find a policy you can count on.

Investing in an RV extended warranty can be a worthwhile commitment. To aid in the decision-making process, we have thoroughly assessed the top RV warranty providers for your consideration. Here are our top picks for the best RV warranty companies.

Levels of Coverage

For maximum flexibility and peace of mind, extended RV warranties are available at various levels of coverage. When looking for the right extended warranty, ask the provider about coverage options and customization. Customizable policies are tailored to your unique individual travel lifestyle and budgetary requirements. The extent of coverage depends on various factors, such as vehicle type, vehicle eligibility, and warranty type. The best RV warranty is the one that meets your unique needs.

Types of RV Warranties

When investing in an RV, understanding the various types of warranties available is important for knowing how to protect your purchase and ensure peace of mind. RV warranties come in different forms with varying levels of coverage, each designed to cover specific aspects of the vehicle. These warranties can help mitigate the costs of repairs and maintenance, providing financial security for unexpected issues. The main types of RV warranties include Comprehensive or Listed-Component Warranty, Exclusionary Warranty, Coach-Only Warranty, and Powertrain-Only Warranty. Each type offers distinct coverage, and knowing the differences can help you choose the best option for your needs.

Comprehensive/Listed-Component Warranty

Also sometimes referred to as a stated-component warranty, these policies cover a broad range of components and systems within the RV. This type of warranty lists the specific parts and systems that are included in the coverage, which typically encompasses essential mechanical and electrical components such as the engine, transmission, air conditioning, and major appliances. However, items not explicitly mentioned in the list are excluded from coverage. This type of warranty provides a balanced approach, offering substantial protection while clearly defining the covered components.

Exclusionary Warranty

An Exclusionary Warranty, often considered the most extensive coverage available, operates by listing the components that are not covered rather than those that are. This means that unless a part or system is specifically excluded, it is generally covered under this type of warranty. Exclusionary warranties typically cover nearly all mechanical and electrical components of the RV. This warranty offers comprehensive protection, making it ideal for those seeking maximum coverage and minimal worry about potential repair costs.

Coach Only Warranty

A Coach-Only Warranty is designed to cover the living area of the RV, excluding the engine and chassis. This type of warranty includes coverage for systems and components such as the plumbing, electrical, heating, and air conditioning systems, as well as built-in appliances such as the refrigerator or oven. It is particularly suitable for motorhomes where the living quarters are complex and have numerous components that can potentially fail. Additionally, motorhomes with high mileage may not qualify for comprehensive coverage but will be eligible for coach coverage. A coach-only Warranty ensures that the comfort and functionality of the RV’s living space are protected.

Powertrain Only Warranty

The Powertrain-Only Warranty focuses exclusively on the RV’s driving components, covering the engine, transmission, and drivetrain. This type of warranty is essential for protecting against costly repairs related to the vehicle’s basic operation. While it does not cover the living area or auxiliary systems, it ensures that the most critical and most expensive parts required for the RV’s function are protected against failure. A powertrain-only warranty is ideal for those who are primarily concerned with the reliability and performance of their RV’s driving capabilities. Powertrain coverage is especially appealing to DIYers interested in flipping or renovating the coach area.

Choosing Where to Buy an RV Extended Warranty

There are a lot of factors to consider when choosing where to buy an extended warranty. Here are some basic steps to take to best suit your unique travel lifestyle:

• Assess Your Needs – Consider the age, make, and model of your vehicle and how you use your RV. Determine which components to prioritize coverage for and consider whether you plan to address any repairs or maintenance yourself. This information will guide providers to tailor the right level of coverage at an affordable price.

• Research Providers – Look for reputable companies that specialize in extended warranties for RVs. Although dealer warranties are convenient for people buying new vehicles, keep in mind that warranty brokers are experts when it comes to understanding extended warranties. Additionally, brokers typically offer a wider range of coverage plans. Before selecting a company, read reviews and check the Better Business Bureau for accreditation, ratings, and any official complaints submitted by verified customers.

• Compare Coverage – This is a key step in determining the best option for you. Obtain quotes from multiple warranty companies to compare costs, but be wary of overly cheap plans. Compare what each plan covers and excludes. Consider additional factors like deductible payments, claim limits, and whether the plan includes perks such as roadside assistance, trip interruption reimbursement, mobile mechanic services, and other benefits.

• Ensure Flexibility – Ensure the warranty covers repairs at a wide range of licensed RV service centers, as well as mobile mechanics. RV Repair Direct only partners with licensed repair facilities. Additionally, verify that the policy is transferable in case you end up selling. Warranties can enhance resale value! Finally, check whether you can cancel the policy, if necessary, for a pro-rated refund.

• Understand the Terms and Conditions – Always read the fine print! If the policy contains any confusing or ambiguous language, clarify the terms with a warranty specialist. Look for any conditional requirements, such as waiting periods, which make it difficult to file a claim. Whether they have a waiting period or not, it’s also important to note that many companies may claim an early breakdown as a pre-existing condition. We recommend working with a warranty provider who requires a pre-contract inspection. This allows coverage to start on your schedule, and deems your RV in working condition and free of pre-existing issues at the time the policy is put into effect.

How We Select Top Providers

As a trusted resource for RVers, we have methodically selected four top RV extended warranty recommendations. These warranty providers excel in multiple areas. The following are our criteria for excellence:

Backed by Top-Rated Insurance

All of our top providers are backed by dependable insurance carriers. This ensures your RV warranty investment is protected against extenuating circumstances, such as closure or bankruptcy. We only endorse reputable and financially secure providers.

Exceptional Customer Service

Each warranty provider has a proven track record of claims payouts and demonstrable commitment to customer service. Our top pick, Wholesale Warranties, possesses an exceptional 4.6 rating with the Better Business Bureau with reviews from verified customers. Additionally, they are the only warranty provider with an in-house claims department to assist customers through the claims process.

BBB Rating

We selected only providers who possess an A+ rating with the Better Business Bureau, an organization dedicated to building a network of trusted businesses. Three of the four warranty companies are also formally accredited through the BBB. We recommend reading reviews from customers with claims history.

Transparency

Transparency is essential to providing a reliable service and building relationships with customers. We only partner with providers who value transparency. Our recommended warranty providers prioritize communication and disclose costs. Always read and understand the terms and conditions, and ask clarifying questions if needed.

Additional Perks and Benefits

Exceptional warranty providers offer exclusive perks and additional benefits along with their extended warranty policies. Some of these include mobile mechanic services, trip interruption reimbursement, emergency roadside assistance, and wheel and tire protection. When researching providers, consider details that will maximize your coverage at the best value.