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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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A
Amy T
8/24/2016
BEWARE! They say all the right things and have nothing to back it up. They are a nightmare. I have a seasonal- just go on the weekend kind of thing. I get a phone call from a camp neighbor saying water was coming from my outside kitchen, they opened the door and water came gushing out. It was a leaky faucet and my drainage going to the sewer is closed off while we are not there. Good SAM won't cover it! "Its not sudden damage they say, it happened over time" Really! Less than a week? It wasn't leaking that I know of when I was there less than a week ago. Needless to say- 2016 brand new camper. I have to swallow the bill of an outside kitchen! Do your self a favor. Its too good to be true!... Read More


M
Mark L
7/26/2016
BAIT & SWITCH - although the switch occurred a year later at renewal time. Good Sam Insurance Advertised they could save several hundred dollars on vehicle, RV and auto insurance - I called / got quote / and did save several hundred dollars by bundling all vehicles together in one policy, RV, cars, trucks, trailers, etc. Annual renewal time came - Premium increased from $2,700 to $3,400 - no explanation available from them as to why the increase - admitting that there were no reasons against me to cause an increase in premium (no accidents, no tickets, no claims, no nothing!) - only that National General just increased the premiums.


Kurt S
4/26/2016
Trying to get a quote for a travel trailer, what a hassle. The good Sam insurance through me into the national insurance company. Had to finally call and the agent wanted over the telephone social security number, and everyone in the household over the age of 14. All this just for an insurance quote. Not looking for auto insurance, what a horrible hassle and a waste of time.


Tana H
4/5/2016
When I purchased my RV from Camping World I got a free Good Sam membership and when I closed on my RV they mentioned insuring it with Good Sam and I automatically assumed it was from a fair reputable company...after all it's Good Sam right? WRONG!! Run...run far away and never insure your RV with Good Sam...I'm a travel nurse and went through a major hail storm with mine not even 3 months after I purchased it...I checked with the company my policy was with, National Interstate, because my skylight and one roof vent was broken in the storm...I asked about getting them repaired right away instead of paying someone to cover them up...after all why not fix them because I'm living in my camper... Read More


T
Terry P
10/12/2015
Do not waist your money on this insurance. I had a tire on my 5th wheel blow out back on the 9/9/2015 which destroyed the tire, electrical braking wiring, and damaged the siding on the trailer. Here it is 10/12/2015 and I still don't have a authorization from Good Sam's insurance company to have the repair work performed. When I made the claim I was asked by Jody to send any photos I have of the damage, etc. I sent photos I took of the unit when I was sitting along side the road after the incident showing the tire and trailer damage. I was told I had to have a appraiser come out to my house and review the claim and take their own photos and make an estimate of the costs. I took off work a... Read More



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