This is a fantastic topic. I have a story of a breakdown with supposed CSP coverage (or so I thought).
Motorhome:
2001 Tiffin Zephyr, 60,000 miles
450HP Cummins ISM
Allison 6000 Trans.
On a trip to Texas last month, a trucker came alongside and motioned to listen on the CB. I did and he told me I had fluid coming out the rear vent. I stopped and found the Freightliner plastic reservoir had a split in it and the antifreeze was boiling out. Not much of a problem. Got to Freightliner in Amarillo, (opened 24hrs) and had that replaced. Cost 175.00. Left in the morning towards Wichita Falls only to have it overheat again. Called ahead to Freightliner in WF and was informed that my fan switch was defective and the Charge Air Cooler (commonly known as an Intercooler for the turbo)had a crack in it. I went on my way as they had to order the parts anyhow and as long as I kept the MH below 65 and no hills, (none in Texas anyhow) I had no problem. Theycalled when the parts came in and on the way back to AZ I stopped and they installed both parts. I thought I was covered by the CSP insurance from Goodsam, but found out it does not cover the Charge Air Cooler. Nowhere in the contract does it say that however. Anyhow at a cost of another $3000.00 I had it fixed and so far all is well. I had lost power as well due to the split in the Charge air cooler. About 20% or so.
I do not believe the insurance cost for breakdowns if worth it especially on a less than 5 year MH.