Anyone familiar with Tire Guard an insurance to replace tires and wheels that are damaged? We were offered this protection when we bought our rv. $500 for 7 years policy, all repairs, replacement, towing, etc. ( they have a web site). But we have to get it before we close, we usually pass on this type of offer, because its a take it now, or its gone, don't think about it, don't discuss it, to good to be true etc. etc...!!! . But this one seems like a good thing. Pros? Cons? Let me know because I can still get it if it is a good thing.