Frequently asked questions

Ilustrated travel trailer showing average cost of common RV repairs

An extended warranty protects recreational vehicle owners from unexpected costs when something breaks down.

RV repairs can be expensive. Our warranties offer peace of mind by covering those repair costs and getting you back on the road.

We cover all the essential mechanical components, systems, and appliances that keep your vehicle functioning, from the motor (we cover gas and diesel engines) and transmission to the septic, refrigerator, AC, water heater, fresh water system, slide-outs, and more.

An RV has all the potential issues of a house and a vehicle, so it's no surprise that even well-constructed units commonly suffer mechanical failure.

RV manufacturers don't have the ability to build every item themselves, so they purchase many of the systems and appliances from third party companies, which can cause quality control problems in even top-of-the-line models.

Approximately 30% of RVs will break down within two years of use. Almost 80% will need repairs by their fifth year of operation, and almost all will break down within ten years.

Here are a few quick reasons why we think we're the clear choice for RV owners:

  1. We are a partner, not just a broker, with our plan administrator. This means we work closely with them to ensure that customers receive the coverage that they purchased as quickly, conveniently, and transparently as possible.
  2. Our plans are backed by an A-rated insurance company, so your coverage is guaranteed no matter what.
  3. Our customers can use any repair facility in the US or Canada, and we pay the facility directly without labor rate negotiation.
  4. No RV inspection is needed to begin coverage. Companies often use the inspection as a way to deny warranty claims later.
  5. We provide dedicated account managers, not just pushy salespeople, to ensure prompt communication and transparency throughout the life of your plan. Our excellent customer service department gives customers the attention they need to get back on the road.

While most companies only allow you to use a mobile mechanic when your RV is completely disabled, ARW lets you use a mobile mechanic any time, for any repair. Since mobile mechanics require a service fee, ARW will cover up to $500 of any reasonable service fees for a given issue.

America's RV Warranty provides coverage that is backed by an A-rated insurance company.

Beware of RV warranty companies who offer coverage backed by risk retention groups. These companies could go out of business and leave you without coverage or a refund. By choosing a company with coverage that is backed by an insurance policy, you can rest assured that you're covered for the long term.

The term "extended" means that the coverage lasts for much longer than a manufacturer's warranty, which is often a one year warranty.

Technically, extended warranties are not warranties—they are vehicle service contracts which cover repair costs in the event of a mechanical breakdown. Warranties can only be offered by RV manufacturers.

However, they function just like a warranty and cover the same things a warranty covers, so throughout the RV industry they are known as extended warranties.

A warranty and an RV insurance policy cover different issues. In simplest terms, insurance covers accidents and damage, while warranty policies offer a service plan to cover the costs of mechanical failures and breakdowns.

This means that RV insurance assists with major repairs caused by physical damage, but doesn't help travelers with normal, everyday breakdowns. A warranty/service contract helps RVers plan their travel budget by removing the fear of a large repair bill caused by a major mechanical failure.

Note: Depending on the RV class, a liability insurance policy may be required to operate the rig. Motorhomes require this coverage since they are motor vehicles, but travel trailers do not.

For more information, read our blog post on the subject.

You might need coverage earlier than you think. Manufacturer's warranties cover different items for different lengths of time, and some RV manufacturers offer only limited warranties that cover the first year after the RV purchase.

By purchasing coverage while your manufacturer warranty is still in effect, you can lock in a better rate. Used RVs and older rigs cost significantly more to cover, so much so that owners often spend less total for more years of coverage when they buy early.

Our warranties cover all items for the duration of the plan, so purchasing while you still have manufacturer's coverage helps you avoid a lapse in coverage.

Keep in mind that many manufacturer warranties are not transferable, so even if your recreational vehicle is new to you, it may not come with a warranty. Ask the selling dealer to be sure.

Yes! Each warranty plan comes with a number of  optional benefits for your RV, including things like roadside assistance, towing, and travel expense reimbursement.

In addition, your plan includes free enrollment in Emergency Alert Network and Money Tips, programs that protect your wallet and your loved ones. Visit our Benefits page for more information.

Yes! We love full-time RVers. Call us at 844-200-7314 to hear all about it!

While the mention of exclusions might sound sinister, exclusionary policies are actually the most complete protection plans available in the RV industry.

The term "exclusionary" refers to the way covered items are defined, and exclusionary plans are often defined in contrast to comprehensive coverage. Learn more about both types of coverage on our blog post about the different policy types.

The bottom line: either type of policy will help during a mechanical breakdown, and you choose should the one that fits your needs and your budget.

You can use any licensed repair facility or mobile mechanic in the United States or Canada—we'll even pay the service fee to the mobile mechanic.

Some people prefer to return to their dealership for repairs. That's fine with us, and it does not affect your service plan.

We walk you through the steps on our Claims page.

All you have to do is inform the repair facility that you have a service plan and mention that ARW is your warranty provider. We'll take care of the rest.

If you have questions about how claims are processed, give us a phone call at 844-200-7314

If you have an emergency after regular business hours, you can call our 24/7 concierge service to receive roadside assistance. They will also help you to submit a claim online.

Nope. We pay the repair facility directly for any covered repairs.

No. The deductible is charged per claim, which is essentially per visit to the repair facility.

If you go in for repairs, whether you need one covered item repaired or ten, you'll pay the same deductible.

Yes! If your RV or tow vehicle breaks down roadside or is immobile in a campground or RV Park, we'll tow it to the nearest RV repair center.

America's RV Warranty protects against breakdowns, so we're here for you when the unexpected happens. Preventing those issues is the RV owner's responsibility, and maintenance is the best protection against breakdowns in the first place.

Yes. If you sell your RV, you can transfer the coverage to the buyer. The warranty acts as an incentive to buy: because the new owner has no experience with the vehicle, a warranty assures them that they have coverage for problems that may arise.

We offer plan lengths from one to eight years, which is longer than any other nationwide company.

Plan lengths depend on the make, model, age, and mileage of the RV—coverage extending to the 8th year is only available on newer units. To learn your vehicle’s eligibility, get a free quote.

No. Warranty companies that require an inspection often use it against their customers during the claims process.

Yes. If you change our mind about your warranty, you can cancel any time. During the first 60 days of your plan, you will receive 100% of your money back. After that, you’ll receive a pro-rated refund.

Unlike coverage financed through a dealership, with ARW you’ll receive your refund in less than 30 days. That’s better than waiting until the end of your loan to see a refund.

Yes. We want Rvers to be able to get coverage that perfectly fits their needs, so we offer multiple levels of coverage—from drivetrain coverage to exclusionary policies. Click to view motorhome plans or towable plans.

We also offer optional coverages such as wheel & tire, navigational (including items like the compass and GPS system), power surge, and consequential damage.

Customers can also get a good deal by purchasing roadside assistance at a discount when they sign up. It's always a good idea to have help ready to go when you're stranded on the side of the road. 

RVers save a lot of money in the long run by purchasing their warranty products directly from warranty providers instead of through RV dealers.

RV dealers make a substantial commission off the sale of the warranty coverage, sometimes more than off the sale of the rig itself. The cost of the plan is often financed, which means that you are paying interest on an already-expensive plan.

Of course! Like any reputable company, we make all contract details and paperwork available online for all to see.

To view a sample contract, visit either our Motorhome Coverage page or our Towable Coverage page, then scroll down to find the "Terms of Service" button. That will provide you with our most up-to-date terms.

America's RV Warranty logo featuring motorhome parked amidst evergreens and mountains
America's RV Warranty logo featuring motorhome parked amidst evergreens and mountains
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