Good Sam RV Insurance Review: Coverage & Discounts
Comprehensive RV insurance with fast claims, no towing limits, and specialized full-timer coverage options.
Good Sam RV Insurance Review
When it comes to protecting your recreational vehicle, finding the right insurance provider is crucial. Good Sam RV Insurance has been a trusted name in the industry for over fifty years, specializing in comprehensive coverage options designed specifically for RV owners. Whether you’re a weekend traveler or a full-time RVer, Good Sam offers policies tailored to meet diverse needs and budgets. This comprehensive review explores the features, benefits, and considerations of choosing Good Sam for your RV insurance needs.
About Good Sam Insurance Agency
The Good Sam Insurance Agency is an independent insurance agency that partners with top-rated carriers including Progressive, Foremost, Safeco, and National General. This multi-carrier approach allows Good Sam to provide customers with multiple policy options from reputable insurance companies. The agency specializes in RV insurance and has developed expertise in covering motorized and towable recreational vehicles of all types. Good Sam’s commitment to RV owners means their agents understand the unique requirements and challenges that come with RV ownership and travel.
Coverage Options and Features
Personal Effects Coverage
Good Sam offers up to $3,000 in personal effects coverage, protecting your vehicle’s contents including electronics, appliances, clothing, and other belongings. This coverage helps ensure that your personal items are protected in case of theft or damage.
Full Replacement Cost Coverage
One of the standout features of Good Sam’s insurance is the optional Full Replacement Cost coverage. This coverage replaces your RV with a comparable new model if it is stolen and not recovered or totaled during its first five model years. After the initial five years, you receive your full original purchase price without depreciation, allowing you to purchase a replacement RV of your choice.
Permanent Attachments Coverage
RVs often come equipped with additional fixtures and equipment. Good Sam’s permanent attachments coverage protects these additions, including awnings, satellite dishes, antennas, and other permanent installations that add value and functionality to your RV.
Emergency Expense Allowances
If you’re stranded more than 100 miles from home due to a covered claim, Good Sam covers lodging and food expenses while your RV is being repaired. This feature provides peace of mind knowing that unexpected travel expenses will be covered during emergencies.
Storage Option
For RV owners who store their vehicles during off-seasons, Good Sam offers a storage option that allows you to suspend unnecessary coverage when your RV is in storage for 30 or more days. This flexibility helps reduce your insurance costs during periods when your RV isn’t in use.
RV Types Covered by Good Sam
Good Sam’s coverage extends to a wide variety of recreational vehicles, ensuring that whether you own a compact camper van or a luxurious motorhome, you can find appropriate coverage. The company covers the following RV types:
– Class A Motorhome- Class B Motorhome (camper van)- Class C Motorhome- Airstream- 5th Wheel- Truck Camper
This expansive list covers most types of RVs that owners would need or want to insure, making Good Sam a versatile option for diverse RV enthusiasts.
Key Benefits and Features
Specialized Claims Service
Good Sam provides access to RV claims specialists who understand the complexities of RV insurance claims. These specialists are equipped to handle claims quickly and efficiently, with 24-hour claims reporting available to get your claim started immediately.
Multi-Vehicle Discounts
Good Sam offers a discount of up to 20% when you insure your autos and RV with the company. This multi-vehicle discount makes it economically attractive to consolidate your insurance policies with Good Sam.
No Charge for New Parts
When your RV requires collision repairs, Good Sam covers the cost of new parts at no charge. This means you won’t face unexpected expenses for replacement parts following an accident.
Theft Recovery Award
In the unfortunate event that your RV is stolen, Good Sam offers a theft award of up to $500 for information leading to the conviction of the individuals responsible. This incentive can help law enforcement recover stolen vehicles.
Discounts Available
Good Sam provides several discount opportunities to help reduce your RV insurance premiums:
– The Multi-Vehicle Discount saves up to 20% by combining auto and RV insurance- The Paid-in-Full Discount reduces premiums when you purchase annual coverage with one payment- The Storage Option provides savings by suspending coverage during storage periods- The Multi-Policy Discount offers up to 10% savings when you also insure your condo or home with Good Sam- Additional discounts on campsites, gear stores, fuel, and other RV lifestyle services
Full-Time RV Insurance
Specialized Coverage for Full-Timers
Good Sam recognizes that full-time RVers have different insurance needs than seasonal travelers. The company offers customizable coverage options specifically designed for those who live primarily or entirely on the road. This specialized insurance addresses the unique risks and circumstances faced by full-time RV residents.
Medical Payments to Others
This coverage protects you financially if someone is injured while visiting your RV or on the property surrounding it. Medical expenses incurred by visitors are covered under this provision.
Personal Liability for Full-Timers
Similar to vacation liability coverage, personal liability for full-timers pays for injuries that occur in or around your RV or on your property. This is an essential protection for those living in their RV full-time.
Emergency Expense Allowance
Full-time RV residents can benefit from coverage of lodging and food costs if involved in a covered claim more than 100 miles from home, ensuring financial support during emergencies.
Personal Belongings Coverage
Good Sam offers up to $3,000 of full replacement cost coverage for personal belongings at no extra cost, providing comprehensive protection for your possessions.
Mexico Insurance Coverage
For RV owners planning to travel south of the border, Good Sam provides insurance coverage through its partnership with MexicoInsuranceOnline.com. This service ensures you and your RV have proper third-party liability insurance as required by Mexican law, whether you’re staying for an extended period or taking a weekend trip.
Beyond basic liability coverage, Good Sam’s Mexico insurance provides:
– Additional coverage including collision, physical damage, theft, and vandalism- Flexibility to choose from a range of additional services and coverage options- Flexible policy terms tailored to your travel plans
Good Sam RV Insurance Pros and Cons
Advantages
Claims are paid quickly: According to customer reviews, Good Sam processes most minor claims quickly, allowing you to resolve issues swiftly and simply. This efficient claims process means less disruption to your RV plans.
No towing mileage restriction: The Good Sam Roadside Assistance plan provides unlimited towing to the nearest provider in the U.S. and Canada. This means you won’t worry about towing charges if you’re in a remote area, though it’s worth noting that Good Sam automatically selects the nearest available towing provider rather than allowing you to choose.
Disadvantages
Low Better Business Bureau customer rating: Good Sam has received a customer review rating of 1.11 out of 5 stars on the Better Business Bureau (BBB), though the BBB itself issued Good Sam an A+ grade. According to multiple reviewers, concerns include failures to cover unlimited towing despite customers paying for the Good Sam Roadside Assistance plan, along with complaints about unresponsive customer service.
Core policy doesn’t offer roadside assistance: While Good Sam offers roadside assistance as an add-on option, it’s not included in the core policy, meaning you’ll need to purchase it separately for comprehensive roadside protection.
Customer Satisfaction and Ratings
Good Sam RV Insurance maintains an A+ rating with the Better Business Bureau, indicating strong recognition by the BBB itself. However, the company’s customer review rating of 1.11 out of 5 stars on the BBB presents a contrasting picture. This discrepancy suggests that while the company meets BBB standards, customer experiences vary significantly. Potential customers should research specific reviews and testimonials to understand common issues and satisfaction levels before making a decision.
Why Choose Good Sam for Your RV Insurance
Good Sam stands out as an excellent option for RV owners seeking specialized coverage from an agency with over fifty years of experience in the industry. The company’s partnerships with top-rated insurers like Progressive and Foremost ensure that you’re covered by financially stable, well-established companies. Good Sam’s dedication to RV owners means their agents understand your specific needs, whether you’re a weekend warrior or a full-time nomad.
The variety of coverage options, including full replacement cost coverage and specialized full-timer policies, allows you to customize your insurance to match your lifestyle. Multi-vehicle discounts provide significant savings opportunities, and the company’s quick claims processing and 24/7 service ensure support when you need it most.
Summary
Good Sam RV Insurance offers a comprehensive solution for protecting your recreational vehicle. With a broad range of policies tailored to different RV types and ownership styles, Quick claims processing, partnerships with reputable insurers, and extensive coverage options make Good Sam a compelling choice for many RV owners. While customer satisfaction ratings deserve consideration, the company’s BBB A+ grade and decades of industry experience demonstrate a commitment to quality service. Whether you’re covering a motorhome, travel trailer, or any other RV type, Good Sam provides the specialized expertise and flexible options needed to protect your investment and enjoy your RV lifestyle with confidence.
Frequently Asked Questions
Q: What types of RVs does Good Sam insure?
A: Good Sam provides coverage for Class A, B, and C motorhomes, Airstreams, fifth wheels, truck campers, and most other RV types, making it suitable for diverse RV owners.
Q: Does Good Sam offer full-time RV insurance?
A: Yes, Good Sam specializes in customizable full-time RV insurance with coverage options specifically designed for those living primarily or entirely on the road, including personal liability and emergency expenses.
Q: What discounts are available through Good Sam?
A: Good Sam offers multi-vehicle discounts (up to 20%), paid-in-full discounts, multi-policy discounts (up to 10%), storage options, and discounts on campsites, gear, and fuel.
Q: Does Good Sam provide Mexico insurance coverage?
A: Yes, through its partnership with MexicoInsuranceOnline.com, Good Sam provides third-party liability and additional coverage options for RV travel in Mexico.
Q: How quickly does Good Sam process claims?
A: Good Sam processes most minor claims quickly and efficiently with access to RV claims specialists and 24-hour claims reporting to help resolve issues swiftly.
Q: Does Good Sam charge for roadside assistance?
A: Roadside assistance is an optional add-on to Good Sam’s core RV insurance policy and is not included automatically, so you’ll need to purchase it separately.
References
- Good Sam RV Insurance Review — Money. 2025. https://money.com/good-sam-rv-insurance-review/
- Affordable RV Insurance | The Good Sam Insurance Agency — Good Sam Insurance Agency. 2025. https://www.goodsamrvinsurance.com/rv-insurance
- RV Insurance: Get A Free Online Quote — Good Sam Insurance Agency. 2025. https://www.goodsamrvinsurance.com
- 6 Best RV Insurance Companies of November 2025 — Money. 2025. https://money.com/best-rv-insurance/
- RV Rental Insurance: Why You Need it And What It Covers — Money. 2025. https://money.com/rv-rental-insurance-five-tips/
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