It’s often discussed and highly personal decision. First, the dealership is the worst place to buy one. They just resell plans they buy wholesale at wildly marked up prices 200% - 300% markup is not unusual. Then they try to negotiate with you by taken part of that markup off so you think you’re getting a great deal. You can buy one yourself without the markup if you want one.
Next decision is do you want one?
First it’s not a “warranty”. It’s an extended mechanical service contract. It’s an insurance product. You are betting that a costly mechanical problem will happen and they’re betting it won’t or that it won’t amount to what you’ve paid for the insurance.
When this is discussed you’ll hear how it’s been a great help to cover huge costs and you’ll hear that it’s been a waste of money.
One thing is generally overlooked is the hassle these policies add to repairs. Each repair must be approved by the company and they have the power to say yes, no or we’ll cover this but not that.
I’m trying to be fair, but you can probably tell that I’m not a fan of these kinds of products.
When I bought my MH in 2017 a 5-yr service contract was quoted at $4,800. I decided not to buy a service contract. In the nearly 4-yrs I’ve owned the coach the total I’ve spent on repairs that would have been covered is less than $1,200. Now, in the next year something expensive could change that but I’m willing to take that risk.
You need to decide for yourself.
To get a quote from someone else other than your dealer, contact Wholesale Warranty https://wholesalewarranties.com/
or Coach-Net https://coach-net.com/rv-protect/
One more thing your dealer will try to sell you any number of other overpriced “options” at closing. Most of us say no to them all.