November 26, 2017

Insurance vs Warranty

What is the difference between RV Insurance and an Extended Service Contract?

It is easy to confuse an Extended Service Contract with RV Insurance. Face it, we all want to be protected in case something breaks down because we know it WILL happen! Insurance provides you coverage against what we call acts of man, acts of God and hazards. An extended service contract provides you with protection against mechanical breakdowns and system failures. The list below will provide you with an explanation of what types of items are covered by RV Insurance vs. an Extended Service contract.

RV Insurance

While each policy is different most will cover the same general types of coverage.

  • Bodily injury liability
  • Medical payments or personal injury protection (PIP)
  • Property damage liability
  • Comprehensive
  • Uninsured and underinsured motorist coverage

For a more complete list of what your insurance policy covers please contact your insurance specialist for an itemized list of covered perils.

Extended Service

Extended service contracts come either as listed items coverage or exclusionary coverage. A list of major components that are generally covered are:

  • Engine, Transmission
  • Drive Axle and Tag Axle
  • Electronic Hi-Tech
  • Air Conditioning/Heat Pump/Ventilation (coach and dash)
  • Brake/Exhaust Brake
  • Electrical
  • Engine Cooling and Heating
  • Fuel System
  • Steering and Suspension
  • Auxiliary Generator
  • LP System
  • Range/Oven/Appliances
  • Water and Waste Systems
  • Seals and Gaskets
  • Audio/Video/Satellite
  • Electric Lift Bed
  • Leveling System
  • Slide Outs/Roof Extensions

For a complete guide ask your warranty specialist for a copy of the contract