Good Sam RV Insurance Review
ConsumersAdvocate.org Rating: 7.0 / 10 (Very good)
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
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.
- 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.