RV's aren't like cars with predictable service life. They're trucks that are loaded pretty close to, or at maximum gross vehicle weight. So they're going to suffer an accelerated failure rate at best, and need frequent and thorough routine maintenance or things go downhill from there. Miss one maintenance service and it's a pretty sure bet any coverage you get would be rendered void. Between chassis issues and maintaining/repairing the house aspects of RV's, you either need to be extremely handy or know someone that is, or your rig will spend more time in the shop than on the road and you'll be paying crazy labor rates for the myriad of things that fail in these vehicles. RV's can be fun when they work but they don't stay that way for long and no service plan is going to cover everything. Just like any extended warranty it's a bet that you think it will fail on their dime, and they are betting it won't. They're not in the business of losing bets...
If you've acquired an RV with 106K on the clock you likely got it fairly cheap. All that means is you pay at the back end instead of the front end. You're either paying a bank, or a mechanic. Just like boats and planes, RV's run on money so expect to write some checks for updates and repairs.
Mark B.
Albuquerque, NM