[c2itcliff]

Personal experience with our first Montana (2011) out of warranty. We experienced a black tank failure and two broken frame cross members above the axels. Our truck insurance, which extended to our trailer (towed vehicle) covered the repair although it was labeled a "collision" in fact, there was no collision but that's how the insurance company was able to pay for repairs. Most policies have a deductible, usually $1,000 check your vehicle insurance and see if it covers towed vehicles. This may be an option to protect you against catastrophic or very expensive repairs. Anything less than $1,000 or a minor repair can easily be covered yourself. Even hiring a mobile tech to come and make these adjustments or repairs will be cheaper than paying for an extended warranty.