For RV, motorhome, trailer, and fifth-wheel owners, an extended warranty can be a financial lifesaver, covering expensive repairs and protecting against unexpected mechanical failures. But not all warranties are created equal. If you’ve been researching an RV extended warranty, you’ve likely encountered the terms “inclusionary” and “exclusionary” coverage.
Understanding the difference between these two warranty types is critical to making an informed purchase. Choosing the wrong warranty could leave you paying out of pocket for expensive repairs or overpaying for coverage you don’t need. In this article, we’ll break down the key differences, pros and cons, and factors to consider when choosing the right coverage for your RV, motorhome, trailer, or fifth wheel.
What Are Inclusionary and Exclusionary Extended Warranties?
Inclusionary Extended Warranties
An inclusionary extended warranty provides coverage for only the specific components listed in the contract. If a part is not explicitly mentioned, it is not covered.
- Often referred to as a “named component” warranty.
- Provides a list of all covered parts and components.
- Any parts not on the list are excluded from coverage.
Exclusionary Extended Warranties
An exclusionary extended warranty, on the other hand, covers everything except the components explicitly excluded in the contract.
- Provides the broadest level of coverage available.
- Instead of listing what is covered, it provides a short list of exclusions.
- If a part is not on the exclusion list, it is covered.
Comparison Table: Inclusionary vs. Exclusionary Warranties
| Feature | Inclusionary Warranty | Exclusionary Warranty |
|---|---|---|
| Coverage Scope | Covers only named components. | Covers everything except explicitly excluded parts. |
| Flexibility | Limited – anything not listed is not covered. | Comprehensive – anything not listed as an exclusion is covered. |
| Cost | Typically lower due to limited coverage. | Higher upfront cost, but fewer repair expenses. |
| Risk Factor | Higher – may leave gaps in coverage. | Lower – fewer unexpected out-of-pocket costs. |
| Ideal for | Owners looking for budget-friendly, specific coverage. | Owners wanting comprehensive protection. |
| Common Exclusions | Typically excludes wear & tear, routine maintenance, and non-listed components. | Typically excludes pre-existing damage, routine maintenance, and cosmetic issues. |
Pros and Cons of Each Warranty Type
Pros of Inclusionary Warranties
✅ Lower cost compared to exclusionary warranties.
✅ Good for owners who only want protection for major components.
✅ Clear understanding of what is covered.
Cons of Inclusionary Warranties
❌ Any component not listed is NOT covered, leading to potential gaps.
❌ May leave you responsible for unexpected repair costs.
Pros of Exclusionary Warranties
✅ Most comprehensive coverage available.
✅ Covers nearly everything except explicitly excluded items.
✅ Fewer surprises when making a claim.
Cons of Exclusionary Warranties
❌ Higher upfront cost, but may save money in the long run.
❌ Can include fine print exclusions that require careful review.
Common Misconceptions About RV Extended Warranties
1. “All warranties cover everything.”
False. No extended warranty covers everything. Even exclusionary warranties have some exclusions, like wear and tear, routine maintenance, and pre-existing damage.
2. “An exclusionary warranty means I’ll never have to pay out of pocket.”
Not necessarily. While exclusionary warranties cover most mechanical and electrical failures, exclusions such as cosmetic damage, routine maintenance, and misuse-related failures still apply.
3. “Older RVs, trailers, and fifth wheels can’t get an extended warranty.”
Not true! While coverage options for older RVs may be more limited, many extended warranty providers offer coverage for units that are up to 10-15 years old.
Who Should Choose Which?
Inclusionary Warranties Are Best For:
- Budget-conscious RV owners looking for lower-cost protection.
- Owners of newer RVs still covered by a manufacturer’s warranty but wanting extra coverage.
- Those who want targeted protection for high-risk components.
Exclusionary Warranties Are Best For:
- Full-time RVers who depend on their motorhome daily.
- Used RV owners who need comprehensive protection.
- Those who want peace of mind knowing most repairs will be covered.
How Much Does an RV Extended Warranty Cost?
The cost of an RV extended warranty depends on:
- The type of coverage (inclusionary vs. exclusionary).
- The age and mileage of your RV, trailer, or motorhome.
- The warranty provider and contract length.
Average RV extended warranty costs range from $1,500 to $6,000 for a multi-year plan. While exclusionary warranties tend to be on the higher end of this range, they can save you thousands in potential repairs.
Choosing the Right Warranty for Your RV
When selecting a motorhome protection plan, ask yourself:
- Do I want comprehensive coverage or just major components?
- How much am I willing to spend upfront?
- Am I prepared for out-of-pocket costs if a non-covered part fails?
- How often do I use my RV, trailer, or fifth wheel?
A well-chosen motorhome extended warranty can save you thousands in repairs and provide peace of mind on the road.
Customer Testimonials
Don’t just take our word for it! See what real RV owners are saying about their extended warranties:
👉 Read Customer Reviews
Final Thoughts: Is an Extended Warranty Worth It?
Whether you opt for an inclusionary or exclusionary extended warranty, the right coverage can protect your RV, motorhome, trailer, or fifth wheel from costly repairs. While inclusionary warranties offer targeted protection for those on a budget, exclusionary warranties provide the most peace of mind by covering almost everything.
If you’re ready to protect your RV investment, get a quote today from norepaircost.com and enjoy worry-free travels! 🚐💨
