LTRVD 0391 Extended Warranties

Extended Warranties

Our subject this week is Extended Warranties. It is a rerun of show number 367. John had a few medical procedures this week, so we’ll be back with all new material next week. We are quite fortunate to have with us Chris Yust, RV insurance specialist and agent. Chris was our guest once before for one of our most downloaded podcasts all about RV Insurance. Her company is C and C RV Insurance and the website is www.candcrvinsurance.com .

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Controversial subject

This show is a complement to the earlier one. This time the primary subject is the RV Extended Warranty, or Extended Service Plan. This topic has become somewhat controversial with some folks questioning the cost of the premium as opposed to what they can set aside themselves for repairs. We’ll look at both sides.

We start with the difference between an extended warranty and an insurance policy. One point brought up early on is to check out any company offering an extended warranty with AMBEST, an independent insurance rating agency. Look them up at www.ambest.com . Then we move forward to purchasing a dealer extended warranty, or not.

We discuss the difference between an inclusionary policy and an exclusionary policy and why the exclusionary one is best.

We get into claims and how they are processed with extended RV warranties. This includes the interaction between us, the customer, and the insurance company and the repair shop. This can be quite an involved process and the customer needs to understand it completely.

Next up is deductibles, that amount of your hard earned money you must pay when the work is done. Then we cover renewals, transfers, and cancellations.

Throughout this interview we stress that you must Read the Fine Print! Read your policy or contract.

LTRVD289 Choosing RV Insurance

Happy Halloween! After the mail, John repeats our new email address. It is johnandkathyhuggins@yahoo.com . We discuss our buying issues with our new Honda CRV. Love the car, hate the buying process. We also talk about our new data plan with Verizon since the demise of Millenicom.

Kathy talks about a way to generate heat when you are without electricity by heating up a crock pot with tea candles. It really works!

Today’s feature is all about choosing RV Insurance. John talks about things to look for and questions to ask while obtaining RV insurance. Next we discuss the special insurance needs of full-time RVers. We also bring up towing and roadside assistance plans, special RV medical insurance that will cover air ambulance transportation to your home hospital, and Extended Warranties and service plans.

Kathy talks about a Facebook group to exchange recipes called Deb’s RV Cooking. John reads a bulletin from Michelin about RV tire life. Then we mention how all our eBooks are listed on the Kindle Unlimited plan where for a monthly fee, one can borrow as many books as you can read.