We keep the extended warranty AND Insurance, and are covered for anything that may happen. Although I don't have the numbers in front of me, I will tell you that it is worth the peace of mind. We have had 2 Motorhomes, and the first one had a fridge breakdown and a broken windshield. Both would have been thousands of dollars out of pocket. The warranty covered the fridge, but not the windshield, but our insurance took care of that. The second had 2 AC replaced and only cost our deductible. The labor and time the techs spent on them was more than that . You can also put it on a stored suspension for as long as you have it off the road. Our insurance offers this also. There are way too many things to go wrong on these rigs to not have some coverage. And it is true, dealerships have their own types that they offer, and seem to be much more than GS...