I have an RPM warranty, Seems okay to me had one major repair which was a water pump shaft,seals. done to repair oil leak. I think the bill was some where around $450. When you purchase bike new and buy warranty at that time you can get it cheaper then if you wait and do it. later. I think you have 30 days before you will not get the cheaper price.
At one time in FL. dealer's could not sell you a factory warranty you were forced to by after market one. I think this might still be true.