When you purchase the extended warranty it kicks into effect after the factory warranty expires. You aren't "Double Warranting" your camper. I know this because when we purchased our previous 5er I bought the 5yr extended warranty. We were warranted for 7years. This is fact because when we traded for the current 5er (5years after purchase) I was able to get reimbursed for the couple of years that remained. I also got the extended warranty for this one as well. If 12gal water heater takes a dump I'm out $100 instead of $1200 and so on. Piece of mind is worth something.