Gary,
I had a very interesting talk with a fella at Tire Guard. They don't sell their policy to the general public directly, but through dealers. They don't sell in Wisconsin or California (and perhaps other states) because it's considered 'insurance', and they are not licensed to sell insurance. "O.k.," I asked, "what dealers - Les Schwab, Tire Rack?" "No", he said, "but I can give you the name of a dealer in Wicksum, Michigan", so I got the telephone number and called them. They are an RV dealer; not a tire dealer, and write these policies on MH's they sell. Doesn't matter how many wheels you have. Not sure if they sell tires seperately, but didn't ask. The policy covers the tires on the MH; not the tires individually (by serial number), so if you have a covered road hazard, it could be on the same position multiple times and still be covered. Now here's the bottom line: The price is $375 for 5 year coverage or $425 for 7 years. That's total years from new; not beyond the mfg. warranty. Sounds to me like you're betting $375 that you'll have a road hazard failure within 5 years, or $475 within 7 years. Kind of sounds like adding Ziebart rustproofing over and above what the manufacturer does to cars to begin with. Remember Ziebart only covered rust-through; not surface rust. This covers only road hazards - subject to interpretation I guess.
Decide for yourself if it's something you want or need.