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Good Sam RV Insurance Review


ConsumersAdvocate.org Rating: 4.9 / 5 (Excellent)
75 Customer Comments & Reviews - see all comments
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The Good Sam Insurance Agency specializes in RV, 5th wheel, travel trailer, and motorhome insurance coverages with multi-vehicle discounts.

Although their primary line of business is recreational vehicle insurance, the agency also offers roadside assistance and car, boat, motorcycle, and home insurance products from leading insurance companies such as Progressive, National, and Safeco.

How is Good Sam rated?

Breakdown

5.0/5
Coverage & Benefits
4.8/5
Customer Support
5.0/5
Cost

Overall Rating: 4.9 / 5 (Excellent)

For over half a century, the Good Sam Insurance Agency has been providing RV-related products and services, as well as membership clubs for recreational vehicle owners and camping enthusiasts.

The agency, like the Good Sam Club, seeks to make the recreational vehicle experience safer and more convenient through basic and specialty plans that can be tailored to meet the particular needs of their customers.

Although RV insurance premiums tend to be costlier than those for traditional car insurance, Good Sam customers have reported saving up to 20% by insuring multiple vehicles and bundling their policies.

All in all, the Good Sam offers comprehensive plans and services as well as a good selection discounts that are sure to hit the mark with even the most discerning of customers.

Coverage & Benefits

Coverage & Benefits - 5 / 5

The Good Sam Insurance Agency offers a comprehensive array of RV coverages tailored to the needs of individual customers.

Their standard plan includes all the vehicle protection required by law, including collision and comprehensive coverages, personal injury protection, property damage, bodily injury, and personal liability coverages, and uninsured and underinsured motorist protection.

For people looking for additional peace of mind, the company also extends a premium plan with features such as optional full replacement cost coverage, a storage option that allows you to suspend coverages while your RV is not in use, full-timer coverage for those who live in their RVs for over six months out the year, multi-vehicle discounts for bundled policies, and emergency expense and personal effects coverages for up to $3,000.

Basic Coverage

Bodily Injury Liability
Property Damage Liability
Collision
Comprehensive
Personal Injury
Medical Payments
Uninsured/Underinsured Motorist

RV Specific Coverage

  • Total Loss Replacement
  • RV Roadside Assistance
  • Full Timer
  • Belongings & Personal Effects
  • Permanent Attachments
  • Emergency Expense Allowance
  • Mexico Insurance
  • Vacation Liability
  • Hitch Coverage

RV's Covered

  • Class A
  • Class B
  • Class C
  • Conventional Trailer
  • Fifth Wheel Trailer
  • Pop-up Tent Trailer
  • Mounted Truck Camper
  • Toy Hauler & Horse Trailer
  • Cargo/Utility & Single Horse Trailer

Good Sam RV Insurance Cost & Discounts

Cost - 5 / 5

The Good Sam's website does not disclose how much they charge for premiums or deductibles for any of their RV insurance plans.

However, the company does state that their custom RV policy costs about the same as the standard plan and that their customers save an average of $500 a year through a long list of discounts for bundled policies, multiple vehicles, temporary RV storage, safety and anti-theft devices, and safe driving.

The company's storage option can save customers around 53% off RV insurance premiums, allowing recreational vehicle owners to suspend certain coverages while their motorhome, fifth wheel camper, or travel trailer is not in use.
Premium
Annual Premium will vary by driver and vehicle
Deductible
Deductible will vary by driver and vehicle
Bundle Options
Auto
Discounts
Bundled Policy
Disappearing Deductible
Safe/Responsible Driver
Low Mileage
Paid-in-Full
Storage Option

Customer Support

Customer Support - 4.8 / 5

Good Sam Enterprises, LLC. is accredited by the Better Business Bureau and has an A rating with the organization, based on 11 reviews, as well as a composite score of 3.74 out of 5 stars.

For an enterprise of its size and age, the Good Sam has received fewer complaints than average, most of which are due to issues with their RV roadside assistance plan.

Their webpage, although not as easy to navigate as one would hope, offers an incredible wealth of RV-related information to help consumers make educated decisions with regard to motor vehicle safety.
BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Neutral Reviews
1
Number of BBB Negative Reviews
10
Date Collected
2017-11-30

Contact & Additional Information

Homepage URL
Company Phone
(888) 514-1116
Headquarters Address
64 Inverness Dr E, Englewood, CO, 80112
Year Founded
1966

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75 Customer Comments & Reviews

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mbcarroll40
12/21/2023
I am so disatisfied with this service and claims. My RV a full time home burned to the ground. It has been a complete nightmare dealing with them and getting a claim to go through. Still waiting since July 7th. Worst experience of our lives. Stick with USAA Geico or their affiliates. Treated us like liars and cheats we were not even home POOR HELP!


delezeneted
10/11/2023
This review is absolutely wrong! I have never been so disgusted with a organization since dealing with Good Sam and their stores, roadside assistance and RV insurance. Camping world prices are still the highest in the industry even with the "member discount", their roadside assistance is non existent except in rare circumstances, and their RV insurance is great if you have no claim. Once you make a claim, be prepared for their adjusters to call you a liar and deny your claim. I will never do business with any Good Sam affiliated entity. I would give them a minus 5 star rating!!!


G
Gaetano S
7/17/2023
We have had insurance with Good Sam for over 8 years with 3 vehicles. Not 1 single claim. My daughter recently hit a steel hose on I-10 that fell from a fuel truck. This damaged the rim, tire and bearing in the front end. We claimed same on our insurance. After 5 weeks of the car at the mechanic shop, Good Sam never did send an adjuster. After continued promises. We paid out of pocket so we could get my wife transportation to work. Then Good Sam rejected half of the claim. Only paying 787.00. Then doubled our premium and put 4 marks on my daughters record calling it an at fault collision. NO OTHER CARS INVOLVED. NOT CITATIONS. This insurance company is awful and is robbery.


deandonna
3/20/2023
Good Sam/ National General Rv insurance will do everything they can possibly to get out of any claim. Recently had a claim, $650, my deductible was $500. My claim $150.00. Sent an agent twice by car, they had more in expenses than my claim. Result-denied! Not worth it.


williamsullivanconsult
7/29/2022
This is the most unorganized insurance company I have ever used. I have been constantly harassed since I purchased this camper.


guanalava
6/29/2022
Yikes. I am going through heck with Good Sam Insurance (serviced by National General). They totally dropped the ball on paperwork and now most of the office is on vacation until mid July. I spent all day trying to get a hold of a human being because no one returns voicemails. They won't let me just get the repair done and reimburse me. Our vacation plans are totally destroyed (and the RV park payment with it). And this is just for a small comprehensive claim. Imaging if we were stranded somewhere!


wdean23425
10/27/2021
With Good Sam for 3 years - now suddenly need to insure through another state. Of course, raised my rates 2 1/2 times. Policy is higher than I had with Progressive. Bait and Switch?


vscalera6
7/26/2021
If I could leave a Negative Star review I would. An ABSOLUTE RIP OFF!! Do yourself a favor and Buy Elsewhere! Good Sam and National General are The Worst. They want to charge me an Extra $70 for a child that doesn't even have her drivers license! Then they charge $50 cancellation fee since I found it cheaper (and better coverage) somewhere else.


P
Paula P
3/22/2021
When quoting, I asked if they included Progressive in the companies quoted since I am a USAA customer and receive a discount with Progressive. Agent said she did and Progressive was higher. Two weeks later I pulled my Progressive quote and it was $280 cheaper annually. I bound it and canceled my "Good Sam" insurance - for which I had paid a down payment of $85 with $76 monthly payments. Not only did they tell me there would be no return premium, they said I owed an additional $55 since I only had the policy 17 days they were charging me a "daily" rate. As a 20 licensed insurance agent myself, I know this is not the way things are done. I told them I would never pay that and they were... Read More


Monte H
2/19/2021
IF YOUR ARE READING THIS PLEASE DO NOT WAST YOUR MONEY BUYING THIS INSURANCE I PURCHASED IT TRYING TO BE SAFE SINCE I PURCHASED A USED RV. THE GOOD SAM SALES AGENT SOLD ME ON HOW THEY WILL COVER ITEMS BROKEN ON MY RV THE FIRST MONTH I START THE POLICY AND THAT THEY COVER MAJORITY OF THE THINGS THAT BREAK OR GO BAD ON AN RV SO I SIGNED UP AND AFTER SIX MONTHS OF MAKING PAYMENTS IT WAS TIME TO GET SOME THINGS FIXED LIKE THE SLIDE OUT NOT WORKING, BACK BRAKE LIGHT NOT WORKING. AWNING ON SLID OUT NOT WORKING AND THE HOT WATER TANK NOT HEATING PROPERLEY AS WELL AS A SMALL OIL LEAK COMING FROM A LOW PRESSURE LINE ON THE ENGINE. I MADE A CLAIM AND TOOK IT TO GENERAL RV FOR REPAIR AND WAS TOLD... Read More



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