Should I buy the Repair Master warranty for my nikon SLR camera d90 and one separate for the 18-200mm lens?

definitely buy the insurance.

I am a huge Nikon fan, but the D90 was just prematurely forced onto the market, and will most likely have problems later on down the road.
Those problems should be covered by Nikons warranty that they give you (like a year or something) but they can also say that whatever goes wrong is “User Error”.
Then you are out the money and the camera.

I think %100 on the D90
It may be expensive, but it would really suck for something to go wrong, or to have an accident with it.

For the 18-200, the warranty is not so necessary.
It is a good lens that has been around for a while now.
I do reccomend, however, that you get a uv filter to protect the front element from scratches. also, keep the cap on when not in use.
those front pieces of glass get scratched quite easily.

I just bought a D90. I normally do NOT buy warranties but I did on the Nikon. For me the reason was that if you check out prices for cleaning, service, and repair on these cameras it will make your head spin. With this contract I can take my camera in for routine cleaning or service whenever I want. For me, that means whenever I get back from a beach or nature vacation I will have them get all teh dust, sand and salt out. One more thing… I dropped a cheap camera into a stream in Hawaii once (I slipped). If I do this with the Nikon I’ll simply take it in and let them deal with it.

I believe the 18-200mm lense has a 5 years warranty on it. Before you buy the camera from J&R, ask them to price match with other authorized Nikon dealers (Online). Beachcamera.com has the D90 for about 888 dollars. The lense is about 539 dollars. If you ship the items to New Jersey, you save on tax!