Whether you have an older RV or just bought a new one, it’s important to consider how it will be protected during your travels. Having an extended warranty is essential for peace of mind on the road, but there is a lot to consider when searching for the right policy. One of the most common questions to come up during your research will be: “how much does an RV warranty cost?”

Stick with us during this blog to get a better understanding of how warranties are valued, and how to find the right plan at the right price for your budget.

Determining RV Protection Pricing

Exactly how much does an RV warranty cost? Well, that all depends.

Not a satisfying answer, we know. Cost is a major determining factor in the buying process, and will likely be a quality you compare from provider to provider. The reality is, RV protections rates simply vary to vastly from rig to rig, and there is no generic answer to provide.

So it’s important, then, to look at how a company arrives at a given cost to help you make the best determination on if a rate your receiving is fair.

How are RV Warranties valued?

Your RV protection price will be based on a variety of factors related to your RV, ranging from the model year, make and model, to the current odometer (where applicable), the current value, and even how you use it.

The model year of the RV is a major factor determining eligibility, and subsequently, pricing. For example, Wholesale Warranties can offer full coverage for motorhomes aged 15 model years and newer, and power-train only coverage for vehicles aged 16 – 20 model years old. Generally speaking, the older the unit, the more expensive the policy will be. There is even a jump from a brand new unit with full manufacturer coverage, to a gently used one coming out of that protection. You can read more about the benefits of buying an extended warranty on a brand new RV here.

The cost of an RV extended warranty will also be impacted by the value of your vehicle, as well as more time-sensitive information, such as whether or not the unit is still under a manufacturer’s warranty, and when and where it was purchased. Tools like the JD Power guide are useful in determining the current value of your RV.

RV Coverage Unique to Your Lifestyle

So, how much does an RV warranty cost? Lifestyle is another piece of the puzzle. The way you use your rig, how much repair work you want to do on your own, and what items you are most concerned with covering will all play major roles in pricing your policy the right way. Additionally, the number of miles you put on the unit, your desired level of risk for protection products, where you like to take your RV for repair work, and how handy you are with your own maintenance and services should all be factors your provider considers before recommending a warranty or price.

The more extensive the coverage, the higher the RV warranty cost. Similarly, springing for extras like mobile mechanic coverage, business use, consequential damage, and more will impact your eventual rate. That said, deciding what policy to invest in should include an in-depth look at both cost and quality of the coverage.

If the cheapest plan you can find doesn’t pay claims, causes a big hassle, or isn’t backed by an insurance carrier, did you really get a good deal? Be sure to check out reviews on the policy provider along with a full copy of the contract before signing on the dotted line.

When will I get a Quote?

Many companies may provide you with a quote upfront, but keep in mind it may not be the best choice for who you are as an RVer. As you work with an RV warranty provider, you’ll want to make sure they’re asking the right kind of questions to get a feel for how you RV, and the type of coverage that makes sense for you. An algorithm that was engineered to fit the majority of people is simply not fair pricing. You might have different travel plans than what is quoted for the “general” RVer. For instance, you might only use your rig during the weekends while others might choose to live in theirs full-time.

With several levels of coverage and terms available, all RVers shouldn’t necessarily receive the same quote. The goal of any provider should not be to sell you their most expensive policy, but to sell you one that fits your needs and unit. This type of personalization should be a requirement of your protection provider—not a luxury.

An example of this process can be seen in the tailored quotes provided by Wholesale Warranties. When you speak to one of our specialists, they will ask you a series of questions to determine what coverage is right for you, what deductible options are available, the length of term they recommend for your RVing lifestyle, and more. You will then receive a personalized quote that is unique to you and your rig. We simply do not have a “one size fits all” price, as there is no one size fits all RV or RVer!

Finding the right quote can be time-consuming and sometimes intimidating. It’s important to communicate with your provider, and ensure the price offered is accurate and fair, from the basics like your unit’s age and value, down to the lifestyle choices that make your RV adventures so unique. If you would like to read more on the value of an extended warranty, click this link.

RV Extended Warranties

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Frequently Asked Questions