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Good Sam RV Insurance Review

Rating: 9.7 / 10 (Excellent)
24 Customer Reviews - see all reviews
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Good Sam Insurance Agency provides recreational vehicle insurance through its Good Sam Vehicle Insurance Plan (VIP). It’s RV insurance plan provides RV owners full-time coverage and storage options. Good Sam RV Insurance protects permanent attachments and equipment as well as personal belongings.  



Personal effects – up to $3,000 for vehicle contents (electronics, clothing, sport equipment, appliances).

Optional full replacement cost – replace with a comparable new RV for RV totaled or stolen in its first five years, even if you’re not the first owner.

Permanent attachments – coverage for additional RV equipment such as awnings, antennae and satellite dishes.

Emergency expense allowance – food and lodging expenses when covered accident occurs 100 miles or more away from home

Full-timer – coverage similar to home insurance

Storage option – save hundreds of dollars on premiums when RV is stored for 30 days or more

No charge for new parts used in collision repairs – pays for the full cost of replacing a depreciated part during repairs.


Special discounted RV insurance rates – for Good Sam Club members

RV and auto in one policy – up to 20 percent discount

Paid in full – purchase one year RV insurance in one payment

Safety and anti-theft device – add extra personal safety features and anti-theft protection


Fine Print

Only those drivers registered upon the purchase of the recreational vehicle will be covered. Must be initially purchased within 5 years of model year. Coverage limited to original purchase price after fifth model year.


Support Services

  • RV claims specialist
  • 24 hour claims reporting
  • Roadside assistance


The Bottom Line – Good Sam RV Insurance

Good Sam RV Insurance offers good coverage options for part-time and full-time RV operators. It offers a variety of discounts that could lower your premiums even further. However, items such as a diminishing deductible option is unavailable which could be very rewarding for RV operators who manage to keep their RV safe. Full replacement is offered but this is limited to replacement by a comparable RV wherein some RV insurance services offer RV owners the freedom of choosing another vehicle regardless of make or floor plan for example. Overall, Good Sam RV is a solid service that can provide RV operators the peace of mind when travelling the road. A good option for RV insurance shoppers.


Top Rated
Our Partner
9.7 / 10


  • 96% overall customer satisfaction rating
  • Customers report average savings of $389 per year
  • Total-loss replacement for motorhomes and travel trailers
  • Specialized coverage for full timers or first-time weekend RV'ers
  • RV storage option allows you to save even more by turning off coverage when your RV is not in use!

Latest Good Sam Reviews

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Beverly O
Columbus, Ohio

Electronic brakes stopped working on our camping trailer. Good Sam Roadside Insurance sent out a technician who had never worked on a camper. After 2 hours, he gave up. We asked to have it towed to a dealer 17mi away. Good Sam refused & wants to send out another technician. What a rip off, we foolishly have been traveling around the country, paying for insurance that does absolutely nothing. Do not get involved with Good Sam!

M. S
Kalamazoo, Michigan

Good Sam (National General) refused to honor a legitimate claim.

steve b
Conroe, Texas

Cons: Not anyway near the cheapest. For example, Allstate was at least $200 cheaper than Good Sam, Progressive and others for 6 month policy. Pros: Website was easy to maneuver and access.

Mill Valley, California

Yesterday I needed to get a new insurance policy for our RV. Good Sams quote was over $370, so I started checked out reviews and found this page. So I tried Progressive and got one for $130 for a year with 100k liability. For road service I use AAA. If you have a second vehicle to add to a policy, AAA is absolutely the best. Good luck on your insurance search everyone!

Lourdes L
Murphy, North Carolina

Unfortunately in April 2017 I had to file a claim for my 2010 Allegro motorhome with Good Sam. All I can say is that the agent Katie Pitts was extremely courteous, professional and efficient. I am a USAA customer for 38 years and I didn't think other companies could/would compare to the outstanding service I received from Good Sam/National General insurance. I previously used Progressive and cancelled them because when I moved from Florida to North Carolina, Progressive transferred my policy to NC but reported to the state of Florida that had cancelled my policy instead stating that had moved and Progressive was still insuring me. I found this out when I went to the DMV to request a new... Read More

Sierra Vista, Arizona

Today was the day I needed Good Sam Insurance to provide the emergency towing assistance that I signed up to receive. They totally FAILED to respond to my situation. I was left on the side of the road with my grand kids, daughter-in-law, and wife. Absolutely and totally unsatisfactory. Don't waste your money on Good Sam Insurance. They don't provide promised services when you call. I'm seriously considering talking to my attorney about this disaster. You can be assured that I will not renew my policy with Good (BAD) Sam.

Cassie L
Chatsworth, Georgia

Thank you all for putting in a review. I also received a quote and it sounded to good to be true. I had decided to go with them but the representative as been slow with closing the deal. So I have had plenty of time to research and talk to my regular agent to find out they are indeed to good to be true. Stay with what you know and don't give into greed about saving money on such a huge investment. Or it will be bigger than your are ready for.

John H
Mueang Samut Prakan, Changwat Samut Prakan

I have had their ins since 1959, NGI has changed. They have people with cold hearts working now. I hit an elk in Oregon and I know the damage incurred, they are denying many parts of the damage claiming it old damage with no proof. I have photos and dates showing no damage. I asked for their proof in writing and they replied with a notice of cancellation. I contacted 15 shops in So CA and all off the record said NGI is the most difficult to deal with always denying this and that. They are all afraid to loose business by speaking out. They all told me that Bryan Hughes is the worst to work with. They all said AAA is the best. I am a full-timer and will need to go back to Illinois (out of... Read More

Angie Y

omg. we just insured with them on our new travel Coleman RV. It's been a month already having issues. They say our regular insurance is reporting we have an at fault accident which is not true. Our insurance says they do not show us with an at fault so premium went from $382/yr to over $700! They said if we send proof we aren't at fault it will drop to $434/yr if we pay the year in full up front. If not it's $512. We are still considered a risk so we no longer qualify for the $382 if they remove the at fault . I think we are going elsewhere after reading these comments about them. Thank God we haven't gave them but $77.00 so far!

Joseph A
Belle Chasse, Louisiana

I was going to see and potentially buy a motorhome on Sunday and do the paperwork on Monday. I called Good Sam asking the best advise so I can be covered on Monday morning after the transfer on the DMV. They said that will be better to gather all RV info and do all the paperwork and down payment on the previous Friday. If in case the deal do not go through, to call her on Monday for an immediate refund. I did left a message with the agent the same Sunday as the deal did not go through. I called on Monday to confirm. She did not pick up the phone leaving a new message again. After several messages and phone calls I decided to contact the National Insurance Company that charged my... Read More

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