For example Dennis. Why on earth wasn't the DPF repair covered under Wholesales policy? Because the little exclusion clause. It is emissions related.
I find that I can fix 98% of the things that brake quicker and more conveniently myself. So many things are not covered. Slide out covers for example.
My electric awning over the door has quit twice now. The deductible is $100 and I would have to take it to an RV place. We full time so that would not be convenient.
The policy gave me peace of mind until I found it did not cover my major expense.