We also have extended warranty on the Montana. Have already had enough problems out of factory warranty to pay for it. As stated above know the company and what is in the coverage. Not all insurance is created equal and that is what extended warranties are. The first two plans you mention, I personally would pass on. Third I know nothing about. You might want to give US Warranties a look. We have had two Montana's covered by them. Just had a microwave/convection go out and purchased a new Samsung from Lowes. Since I installed myself, cost to me was $20. $20 was the haul off fee and they would not cover that. I did complain, but not to loud as a new microwave for $20 buck is alright with me.
Your mileage may vary.