Good Sam RV Insurance Review

Good Sam RV Insurance Review

Good Sam is well-known for its family of RV products and services, which includes Good Sam RV Insurance Agency. Good Sam RV Insurance Agency is a multi-carrier agency working with multiple agencies including Progressive, National Interstate, Safeco. They do all the work for you and present you with a list of quotes to choose from. They also offer a wide range of discounts for bundling additional policies for your car and home.

Coverage Options

Basic vehicle coverage consists of liability insurance, which includes property damage and bodily injury. That is the minimum coverage you can get unless you’d like to add extra or special features.

If you want additional coverage, you can pick which policies or get full coverage that includes: Comprehensive, Collision, Uninsured/underinsured bodily injury, Uninsured/underinsured motorist property damage, and medical payments. 

You do have the ability to pick and choose the options that are best for you. In addition, they also offer extras like roadside assistance and rental car reimbursement.

RV Coverage Options

Every Good Sam policy comes with up to $3,000 personal effect coverage at no extra charge. In addition, permanent attachments (such as awnings, antennas, satellite dishes) are automatically protected. 

If your RV is in a covered accident that leaves you stranded more than 100 miles from home, they will cover the cost of food and lodging. Their RV coverage packages are very similar to their vehicle packages. They offer comprehensive, collision, and liability as well as extra coverage options. Some of those extras are:

  • Roadside assistance

  • Vacation liability

  • Personal effects

  • Total loss replacement

  • Pet injury coverage

  • Storage option

The following are the kinds of RVs covered by Good Sam:

  • Bus conversions

  • Class A, B, or C motorhome

  • Travel trailer

  • Truck campers

  • Fifth-wheel, pop-up, and utility trailers

  • Horse trailer

Average Pricing

Although the Good Sam website does not state how much their insurance rates are, they do offer a variety of discounts based on the insurance coverage. Keep in mind that many of their features are dependent on the insurance carrier who will provide your desired coverage. The average pricing will depend on how much extra coverage you want. 

Costs will also vary based on:

  • Your age and driving history

  • The state your RV is registered in

  • The size, make, model, value and year of RV

  • Your deductible amount

  • Your credit history

Good Sam does suggest that they can save up to $500 a year on multiple coverages for you.

Will Good Sam drop your coverage if you rent your RV on a rental marketplace?

As with many larger insurance providers, it’s possible some of them will drop your coverage for renting out your RV. You will need to inform Good Sam if you intend to rent your RV since they will have to check to determine which carriers they work with will provide coverage. Be sure to check the fine print. The last thing you want is to be stuck with the bill if something happens to your RV.

Does Good Sam offer RV insurance for full-time RVers?

Many insurance companies only offer RV insurance for recreational RV use. If you are a full-time RVer, make sure you make that clear to Good Sam when getting a quote. They will provide you with a customized quote that includes personal liability (similar to vacation liability), medical payments to others, emergency expenses, and personal effects coverage.

What Roamly can offer RV owners

Did you know you could save an average of 25% compared to other insurance companies by getting a comprehensive plan with Roamly? This insurance company was created by passionate RV owners, so they know exactly the type of coverage you need for your RV. No more paying for expensive features you don’t need.

Additionally, Roamly doesn’t stop covering your RV if you decide you want to rent it out on peer-to-peer networks like Outdoorsy. That means you can make extra money when you’re not using your RV.

Below are the many types of coverage that Roamly offers:

  • Bodily injury liability

  • Property damage liability

  • Collision coverage

  • Comprehensive coverage

  • Sound system

  • Contents coverage

  • Medical payments coverage

  • Personal injury protection coverage (PIP)

  • Uninsured & underinsured motorist coverage

  • Roadside assistance

  • Rental reimbursement coverage

  • No-deductible glass coverage

What Roamly can offer RV owners

Did you know you could save an average of 25% compared to other insurance companies by getting a comprehensive plan with Roamly? This insurance company was created by passionate RV owners, so they know exactly the type of coverage you need for your RV. No more paying for expensive features you don’t need.

Additionally, Roamly doesn’t stop covering your RV if you decide you want to rent it out on peer-to-peer networks like Outdoorsy. That means you can make extra money when you’re not using your RV.

Below are the many types of coverage that Roamly offers:

  • Bodily injury liability
  • Property damage liability
  • Collision coverage
  • Comprehensive coverage
  • Sound system
  • Contents coverage
  • Medical payments coverage
  • Personal injury protection coverage (PIP)
  • Uninsured & underinsured motorist coverage
  • Roadside assistance
  • Rental reimbursement coverage
  • No-deductible glass coverage

Final thoughts

As part of the Camping World and Grainer family, you can sign up for a Good Sam membership and receive discounts from participating gas stations, Good Sam camping sites, and on your insurance policy. However, it still might not be the best insurance option for you and your RV.

Unlike Good Sam, which works with multiple carriers, Roamly is a dedicated insurance carrier created specifically for RV owners. This means that you get coverage tailored to your specific needs; better coverage when you need it, lower prices when you don’t. You also won’t lose coverage if you would like to rent your RV.

Ready to start saving on your RV insurance? You can get a free quote from Roamly in less than 60 seconds! With all the money you save, your next adventure can be even bigger!