Suggest you do a search on that subject. It's been thoroughly discussed here and on every other RV forum.
If you don't know which end of a screwdriver to hold, it might make sense to look further into one.
Be sure you understand the provider limitations, the deductibles and especially, the exclusions. And remember, the selling agent keeps about half of what you pay for one, and the issuing companies still make big money. You do the math...
Bad decisions make great stories!