I have had aftermarket warranties on both my previous Excursion and Suburban and came out ahead,except that they didn't pay for the three injectors that went bad in the middle of a vacation.
I posted this before,but when I bought this MH used in 2010,I looked at several service contracts,but the one I finally decided on didn't cover fridges. I listened to the folks that said to put the money in the bank instead,so $4K went into the bank and in the first 6 months I paid out over $6K in repairs of which my total cash outlay with the contract would have been $800 in $200 deductible payments.Since then,the only thing wouldn't have been covered that hasn't broken has been the fridge.
I now have a Cornerstone service contract that I got thru Wholesale warrenties out of San Diego that's good for another 4 years with $100 deductible. Wholesale warrenties, a broker, has been going to all the major RV rallies for a couple of years now and have had prety good reviews.
On edit; I just had to take the MH in for a hot fridge and they found a bad cooling unit and it was fully covered. :B :B