Whether you decide to purchase this "insurance policy" on your RV or not, I would advises that you utilize the factory warranty for the first year (or two on many models) and THEN make your decision about the insurance. If you find yourself having a lot of repairs it's a "no brainer" but if you don't have any warranty issues it's probably a waste of money. Just remember there is ONE party that almost NEVER looses money....the insurance company. If you can afford to pay for your own repairs there is a HUGE chance you'll come out ahead.