Consequential Damage option on Exclusionary Warranty

Knowing that worse case scenarios are more common place with RV's then regular vehicles and can be quite pricey...place me in the give me all or give me nothing group. To spend the money on the policy and then have to pay part of the repair because I didn't also pay for the consequential policy would burn me up. I would much rather pay that amount up front and know my assets are covered.