Remember in 2011 all the reports of volt fires ( there was ONE )
The person that parked next to me at the condo went to the board and I ended up having to get extra insurance coverage.
Thanks to USAA ( as they cover car and house ) an umbrella insurance add on was very low cost.
The lady moved a few years later and was very sad she did not get a new car.
Good news : was after she left the board let me charge the Volt from the 120 ac plug by my car for $10 a month.
With the auto insurance / car loan at same place as extended warrant cost was lower.
Umbrella policies are very inexpensive, and anyone with substantial assets should have one. They are unrelated to extended warranties. There is so much profit in extended warranties, anyone will sell you one and look to show you a discount on it to get you to buy it.
For example: If I normally make $1000 on every extended warranty policy I sell, if I can convince you that you're getting a $500 discount because of "x, y or z", you think it's a bargain, and I still pocket $500. You might think that's a win/win, but it's still a win/lose. It's just the loser doesn't know it.
