Protect What Powers Your Dealers’ Customers
Independent F&I solutions for specialty equipment dealers. Lifeti
“When things go wrong, count on us to do what is right”™
Why Dealers Choose Us
One Unprotected Sale = Revenue Lost
Every unit that leaves your lot without an F&I product is revenue you will never see again. Here is what your customers face — and what your dealership is missing.
UTV Transmission
Outboard Motor
Golf Cart Motor
Tractor Engine
ATV Engine
Zero-Turn HydroAverage equipment owner: $3,200+ in unexpected repairs within 3 years.
Is your dealership capturing that F&I opportunity?
Protect Your Equipment with Subscription Coverage
One unexpected repair can cost thousands. Our subscription-based service contracts give you peace of mind for a low monthly payment.
- Coverage for almost any equipment
- Pay monthly – stay covered as long as you pay
- Cancel anytime – no long-term commitment
No obligation. See your options in minutes.
9 Products. One Mission. Total Protection.
From extended service contracts to compliance training, we offer the complete F&I toolkit your dealership needs.
Extended Service Contracts
Comprehensive mechanical breakdown coverage that protects your customers' equipment investment beyond the manufacturer warranty.
GAP Coverage
Helps bridge the difference between your insurance payout and your remaining loan balance, up to 150% of MSRP. Coverage limits and exclusions apply. See contract for full details.
Specialty Equipment Protection. Built for Your Industry.
Nine industries. Deep expertise. Coverage designed for the unique risks and regulations of each market.
See What You Are Leaving on the Table
Adjust the sliders to match your dealership. Watch your potential F&I revenue grow.
That is equivalent to 4 new trucks for your fleet
Estimates based on industry averages. Actual results vary by market and product mix.
Your Complete F&I Partner
We do not just sell products. We build dealer profitability through structured programs, technology, and real support.
Reinsurance and Participation
Optional participation programs available with select providers — turning your F&I department into a long-term asset where the structure fits.
Streamlined Workflow
Single-portal coverage where the provider supports it; coordinated quoting, contracting, and reporting across the rest of your product suite.
Training & Support
Hands-on training when you need it. Product knowledge, compliance guidance, and ongoing support from people who have worked the dealership floor.
Three Steps to F&I Revenue
Getting started is simple. No long contracts, no complicated onboarding. Just results.
Connect
Free, no-obligation consultation. We learn your market, your inventory mix, and your F&I goals.
Customize
We build a tailored product suite from our vetted provider network — matched to your dealers and customers.
Cover
Launch, train, and start generating F&I revenue. Ongoing support and performance optimization included.
Not All F&I Partners Are Equal
See how an independent, specialty-focused partner stacks up.
When things go wrong, count on us to do what is right.
WeCoverUSA Brand PromiseGrowing With Our Dealers
Small enough to know your name. Backed by 60+ years of expertise.
Real Coverage
Every product backed by A.M. Best A-rated providers. Extended service contracts, GAP, theft protection, and more — vetted for your market.
Real Experience
From the dealership floor to manufacturer partnerships. Our team has the depth of experience that only comes from decades in the industry.
Real Partnership
Training, support, and wealth-building programs included with every partnership. We succeed when you succeed — that is how we are built.
Partners We Endorse
We vet every provider we work with. These are the companies we trust to deliver for our dealers and their customers.
Everything You Need to Know
Straightforward answers. No fine print. No runaround.
Yes. WeCoverUSA offers lifetime powertrain service contracts across all product lines — powersports, marine, agriculture, construction, golf carts, lawn and garden, RV, auto, and equipment. Our lifetime powertrain coverage protects your customers’ most critical components for as long as they own the equipment, backed by A.M. Best A-rated providers.
No. WeCoverUSA is fully independent. We vet and partner with multiple A-rated providers to find the best fit for each dealer's market, products, and customer base. This independence means we always put your dealership's interests first.
We support nine specialty markets: Powersports (ATVs, UTVs, motorcycles, snowmobiles), Marine (boats, outboards, PWCs), Golf Carts and LSVs, Agriculture (tractors, implements, sprayers), Construction (skid steers, excavators, loaders), Lawn and Garden (zero-turns, commercial mowers), RV (motorhomes, travel trailers, fifth wheels), Auto (cars, trucks, SUVs, used and pre-owned), and Equipment (compact, industrial, and rental fleets). 34 programs are available across these categories.
Yes. We work with leading DMS platforms to streamline your F&I workflow. Single-portal availability varies by provider and program; where it is supported, you get one login for quoting, contracting, and reporting. Where it isn’t, we coordinate workflows so your team isn’t juggling tools.
We provide hands-on training as needed for every partner — product knowledge, F&I best practices, compliance guidance, and ongoing support. Our team comes from the dealership floor, so we understand what your staff needs to succeed.
Most dealers are fully onboarded and selling within 2–3 weeks. We handle provider setup, DMS integration, product configuration, and initial team training so you can start generating F&I revenue quickly.
Claims are filed directly through the provider's streamlined process. Most claims are authorized same-day, and our team is available to assist with any escalations. Your customers get fast resolution, and your service department stays busy.
We offer terms out to 96 months on qualifying units. Plan terms vary by provider, equipment type, and program. Talk to your dealer rep about the right term for each customer profile.
"Sales profit increased by more than 20%"
As a dealership, we don't have time for fluff products or empty promises. We need partners that perform when it matters. WeCoverUSA has proven to be exactly that.
Their service contracts are easy to present, clearly structured, and most importantly, our customers understand the value. The Lifetime Powertrain coverage has been a game changer for us. It gives customers real confidence in their purchase and helps us separate ourselves from competitors who are still offering short-term, limited options.
From a performance standpoint, the impact has been undeniable. Since switching to WeCoverUSA and exclusively offering their products, our sales profit has increased by more than 20% from November 2025 through April 2026. That kind of growth doesn't happen by accident. It is a direct result of better products, stronger customer confidence, and a more effective presentation in the F&I process.
Operationally, their team is responsive, knowledgeable, and understands how a dealership actually runs. Claims are handled efficiently, communication is solid, and we are not left chasing answers. That alone is worth its weight.
On the backend, the products create real opportunity. Strong margins, increased penetration, and better overall deal structure without complicating the sales process. It is a win for the customer and a win for the dealership.
If you are looking for a partner that helps you sell more units, build trust with your customers, and actually supports you after the sale, WeCoverUSA delivers.
See what Lifetime Powertrain coverage can do for your dealership.
Become a Dealer PartnerReady to Grow Your F&I Revenue?
One conversation could change your dealership's bottom line. No pressure, no obligation.