One of the most frequently asked questions we receive is, “What does an RV warranty cover?” It’s an important question as the answer will inform your decision to buy an RV extended warranty plan. Third-party warranty brokers, such as Wholesale Warranties, provide policies with varying coverage levels to meet the diverse needs of RVers. Educating yourself about the different RV extended warranty coverage options available will help you make the best financial decision for your future adventures!
RV extended warranty coverage extends coverage past the manufacturer warranty. Additionally, this type of protection covers what your regular insurance doesn’t, such as unexpected mechanical breakdowns and defects. However, the level of coverage varies depending on the type of plan and vehicle eligibility. Coverage for older RV models may be more limited.
Coverage exclusions vary depending on the type of policy and eligibility. However, most extended warranty programs exclude items such as wear and tear, preexisting conditions, and aesthetic components. Aesthetic components include windows, upholstery, and paint. Preexisting conditions should be addressed with an RV inspection before signing a warranty contract. Some warranty providers forgo inspection, which puts a policyholder at risk for denied claims. Reputable providers, such as Wholesale Warranties, require inspections to ensure vehicle functionality and peace of mind.
Comprehensive RV warranty contracts list every covered component. Although these plans don’t provide as much coverage as an exclusionary plan, they are more affordable. A comprehensive extended warranty will still cover all major mechanical components, including parts that account for some of the most expensive repairs. At Wholesale Warranties, our comprehensive plans include the engine, transmission, brakes, refrigerator, air conditioning, wiring, leveling systems, slide-outs, and more.
Exclusionary warranties cover every component under the contract except for explicitly listed exclusions. Exclusions typically include pre-existing conditions, aesthetic components (such as fabric and paint), physical or accident damage, and maintenance items. Although these policies cost more than comprehensive and basic plans, they offer a greater range of protection. With an exclusionary policy, you have the potential to save big on otherwise costly repairs.
You can expect every major mechanical component in your rig to be covered, from your engine and powertrain down to appliances, heating and cooling components, leveling systems, wiring, and more.
A coach-only RV warranty specifically excludes engine and powertrain components. The coach-only option protects your travel budget from some of the most common—and expensive—RV repairs. These policies include slide-outs, leveling jacks, air conditioning, and more. A coach-only extended warranty is ideal for folks with RVs with mileage that disqualifies them from regular coverage. This is also a good option for newer vehicles with a powertrain still covered under manufacturer warranty.
Acting as the opposite of a coach-only policy, this level of coverage specifically excludes items in the housing unit, instead focusing on the most expensive potential failures your coach may face. Engine, transmission, and powertrain components can cost upwards of $60,000. This lower-cost level of coverage is specifically designed for these high-ticket items.
This is just a basic overview of available coverage options. For further information about what is or isn’t covered or information regarding customizable add-ons, fill out the free RV warranty quote form here!
Protect your investment and enjoy peace of mind on the road with the right RV warranty coverage tailored to your needs.
Although coverage levels vary depending on the provider, policy type, and eligibility, the most extensive coverage secures protection for virtually all mechanical and electrical components. Coverage exclusions are typically aesthetic components, preexisting conditions, and expected wear and tear.
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