Good Sam RV Insurance Review
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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, and 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.
However, Roamly offers insurance that lets you rent your RV out without losing coverage. To learn more, or to get a free quote, visit Roamly.com.
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.
Not all full-timer insurance is the same, so be sure to shop around with other insurers who specialize in full-timer coverage, including Roamly.
What Roamly can offer RV owners
Did you know you could save an average of 35% 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.
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.
Roamly is an insurance company created specifically for RV owners like you. This means that Roamly will help 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 want to rent your RV to others.
Ready to get the right RV insurance for your needs? Get a free quote from Roamly in less than 60 seconds.