Yes it does require annual inspections, which cost $160 to do each year. But there is no deductible or co-pay that would be need to be met for each claim. The dealership is 50 miles from where I live, so I would plan on a once yearly trip to winterize and inspect the RV late each fall. No big deal really.
I actually went to three dealerships today and looked at both bumper pull and fifth wheel Toy Haulers from multiple manufacturers. It seams like each manufacturer builds multiple brands, that range from entry level to high end in features and in quality.
The XLR Boost I had asked about is an entry level RV. It is a decent RV, but a number of other RVs I looked at sure do appear to be better quality.
Although it will be about $20K more than the XLR Boost, right now it looks like I am going to be getting a Grand Design 350G. It has a 14'6" garage, unloaded weight is 12,950 lbs, GVWR is 16,800, and length is 39'10". We are still working on price because he will have to order one in. And if I order one there are some options I don't need, like the play pen railing that goes around the ramp door. I don't even need the drop down bed or the fold down sofas in the garage, but they might have to be included. There is also one other RV (bumper pull) he is going to be giving me a price on.
2019 Ram 3500 Crew Cab Laramie SWB 4x4
2020 Lance 825
2021 Grand Design Momentum 350G