[JRTJH]

Look at the 5 year extended warranty for what it is: a partial repair warranty for the last 2 years on much of the trailer and the last 3 years of other parts that aren't specifically excluded by that warranty policy.

Keystone warrants the trailer for 1 year and then for a second year on the structure.

Each component manufacturer, axles, appliances, windows, awning, landing gear/hitch jack, batteries, tires, etc all are covered by the manufacturer's warranty. Most have at least a 2 year warranty, some have 3 or more years.

There are two "kinds" of extended warranty. One has a list of what is included (covered) and one has a list of what is excluded (not covered). with either, the list of what they will repair is limited and not "all inclusive" and all that I've seen do not start coverage until the manufacturer's warranty is expired.

Most of what will break on an RV will break during the first year. Most appliance problems don't occur until well after the 5th year. Given those two time frames, you can see why an "insurance policy" covering that narrow window on a limited list of items is a "sure bet to make money" for the company and a "generally poor investment" for the purchaser.

If you're handy with a screw driver and a hammer, plan to do your own maintenance and are mechanically inclined, I'd say to skip the expense and take the money, put it in a savings account and draw out of there for repair costs.

If you do elect to buy the "insurance", pay for it up front, don't finance it for the 12 or 15 years that you finance the trailer. At 6% for 12 years, you'll pay for the extended warranty at least two times maybe closer to three before the trailer is paid for.