I am very dubious of those plans. My brother in law used to sell them for cars, he got better commissions when he talked people into gold plans from the silver and bronze. I agree with above that there could be a difference between seasonal or full time versus just through the summer, with the constant off and on of the items could eventually cause electrical problems etc. How much is it to replace the motherboard on a frig versus the cost of the plan.
2009 F150 XLT crewcab 5.4L and 3.73
2010 Flagstaff 27 BHSS