When you own an RV, it’s important to protect your investment with the right insurance. Good Sam is a popular RV insurance provider that provides flexible coverage for both part-time and full-time RVers.
Through its network of multi-providers, including National Interstate and Progressive, the company provides options for insuring your RV against theft, damage, and accidents. There are also policies to cover injuries if people get hurt in or around your RV.
We’ve honest Good Sam RV insurance reviews here, so you can decide whether it’s a good fit for your situation.
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Good Sam RV Insurance Reviews
As we’ve discussed already, Good Sam is a multi-carrier insurance provider. Buying their coverage means you don’t need to check different providers and spend hours to compare the prices. The company does the work for you by giving you the option of picking from a list of quotes.
Let’s find out all details about Good Sam RV insurance:
Which RVs Are Eligible?
The provider has policies to protect many types of recreational vehicles. Whether you travel in a big motorhome or tiny tent trailer, their coverage options cover a wide range.
Remember that, as an RV owner, you have to be at least 18 years old and have a valid driver’s license with a Social Security number to apply for the insurance.
Check the list below to see the type of RVs eligible for Good Sam coverage:
- Class A, B, and C motorhomes
- 5-th wheelers, travel and utility trailers, pop-up campers
- Truck campers
- Bus conversions
- Horse trailers
What Does the Insurance Cover?
Getting a Good Sam policy means you get more than just the basic coverage. Each plan comes with the standard personal effects coverage. If your belongings inside the RV are damaged or stolen, you could get up to $3,000 to replace or repair them.
Also, permanent attachments, including awnings, antennas, and satellite dishes, are automatically included in your coverage. It’s a great addition because these items can be costly to replace.
Good Sam also provides support if your RV gets into an accident more than 100 miles from home. They’ll cover your emergency expenses for food and lodging, which gives you respite in an already tough situation.
Their coverage options are comprehensive, including collision and liability protection. You can also opt for full replacement cost coverage, which means if your RV is totaled, you could receive enough money to buy a new one. It’s a lifesaving option if you ever face a total loss.
What happens when you decide not to use your RV for a while? Good Sam has a solution for this problem, too. They allow you to suspend unnecessary coverage during storage. As a result, you can save money when your RV is parked for 30 days or more.
Some other perks that the insurance covers are:
- Access to RV claims specialists. You’ll get expert help when you need to file a claim. Plus, you can report claims 24/7, making it convenient no matter when an issue arises.
- Theft reward. If someone steals your RV, the company offers up to $500 for information that leads to the arrest of the culprits. It may encourage community involvement in keeping an eye out for stolen vehicles.
- Bundle discounts. If you insure both your RV and your car with Good Sam, you could receive a discount of up to 20%.
Average Price of the Insurance
Good Sam offers a variety of insurance plans, but they don’t publish specific rates. Instead, they focus on personalizing coverage based on individual needs. So, the exact price of a plan depends on a number of factors.
Below, we’ve discussed some of the most common ones:
a. Personal Details
Your age and driving history can impact your premium. Younger drivers or those with less experience may face higher rates. On the other hand, a clean driving record can lead to better pricing.
b. Credit History
Your credit history is another aspect that insurers consider. A solid credit score often leads to lower insurance costs. Insurers believe that those with good credit are less likely to file claims.
c. State of Registration
The state where your RV is registered also matters. Insurance regulations and costs differ from state to state. Some areas may have higher risk factors, which can increase your insurance rates.
d. RV Type and Features
The specifics of your RV affect pricing. The size, make, model, and year of your vehicle all contribute to the overall cost. A more valuable RV might require more comprehensive coverage, which can raise your premium. On the contrary, an older RV with visible signs of wear and tear may also require a higher premium.
e. Deductibles
Another important factor is your deductible. A higher deductible typically lowers your monthly payments but increases your out-of-pocket expenses in case of a claim. Finding the right balance is essential.
f. Insurance Bundling
Good Sam offers discounts that can help reduce costs. For example, you might save up to $500 a year if you bundle the coverages for your RV and car under one policy.
Related: How much does travel trailer insurance cost?
Our Verdict
After reviewing the features of Good Sam’s insurance policy, we consider it a decent option for RVers, especially if you take the basic coverage. However, we’ve further discussed some of its pros and cons, so you can make a better decision:
Explaining the Pros
After reading many forum and community discussions, we’ve found that Good Sam pays for the claims as quickly as possible, especially if it’s a minor one. So, if something small happens to your RV, you won’t have to wait long for repairs.
The company also offers unlimited towing through their roadside assistance plan in both the U.S. and Canada. It will save you money if your RV breaks down in a remote place. You won’t need to worry about high towing bills to take it to a repair shop. While they pick where to tow it and don’t let you choose, at least you know help is never far away no matter where you travel.
Explaining the Cons
The company has a poor rating at the Better Business Bureau (BBB). It’s an abysmal 1.11 out of 5 stars. However, BBB itself awards the company a stellar A+ rating.
Many users complained that they didn’t get covered for towing despite paying for unlimited towing under the roadside assistance coverage. It was also tough to get help from customer service.
Something else to note is that the basic Good Sam insurance policy itself does not include roadside assistance at all. You have to buy their separate RV roadside plan to get any towing benefits. So, be prepared to pay extra each month if unlimited tows are important to you.
