Photo by Matthew Moloney on Unsplash
National General Good Sam RV Insurance is among the top choices for RV owners in the U.S., combining National General Insurance expertise with Good Sam’s trusted name. This detailed overview explains coverage options, real-life experiences, case examples, and expert insights to help you determine if it’s the right protection for your RV lifestyle.
Learn about policy types, claims process, pricing factors, competitor comparisons, and a step-by-step buying checklist.
Quick summary
National General underwrites many Good Sam RV insurance plans and markets them as specialty coverage for RV users. Key highlights include total loss replacement, protection for permanent fixtures (awnings, satellite dishes, custom parts), and optional coverage for personal belongings. Customer feedback is mixed — especially regarding claims — which we explore in detail below.
Coverage types — what’s included?
Here are the main types of coverage to consider when reviewing National General / Good Sam RV insurance.
Liability
Protects against bodily injury and property damage you may cause while driving the RV. Coverage limits depend on your policy and state regulations — review your declarations page carefully.
Collision & Comprehensive
Collision pays for RV damage from an accident; comprehensive handles non-collision losses such as theft, vandalism, or severe weather.
Total Loss Replacement / Full Replacement Cost
Some Good Sam/National General policies include full replacement cost for newer RVs (subject to eligibility). This means the insurer replaces your RV instead of paying its depreciated value. (Tip: verify age and mileage requirements.)
Permanent attachments coverage
Items like awnings, built-in storage, or satellite systems are often excluded from basic auto insurance. Good Sam typically offers add-ons to protect these — keep documentation and photos to support your coverage.
Personal effects & contents
Covers personal items inside the RV, such as clothing or electronics. Consider higher limits if you travel with valuable gear — keeping a photo inventory helps with claims.
Storage & Seasonal options
Some plans offer reduced rates for seasonal storage or part-time use. Ask your agent about off-season or storage endorsements for potential savings.
Optional features & add-ons
Towing & Roadside Assistance
Add-on that covers towing, jump-starts, tire changes, fuel delivery, and lockout help. Good Sam’s own roadside assistance can often be bundled.
Vacation Liability & Rental Reimbursement
Additional endorsements may be needed for rentals or vacation use. Rental reimbursement covers temporary transportation costs while your RV is in repair.
Electronics & Custom Parts Endorsements
Special coverage may be needed for upgraded electronics, solar systems, or custom cabinetry to ensure full protection.
The claims process — step-by-step with case studies
Knowing how claims work is key — many reviews focus on this aspect. Below is the general process plus three real-world examples.
Typical claims steps
- File a claim via phone or the insurer’s online portal.
- Submit damage documentation — photos, receipts, and videos.
- Receive your claim number and assigned adjuster.
- Adjuster reviews damages (remotely or on-site).
- Get a repair estimate and settlement offer.
- Appeal or escalate if you disagree with the outcome.
Case Studies
Case Study 1: Smooth Roadside Assistance
Source: IRV2 Forum (2023)
An RV owner broke down on a remote Arizona highway. Good Sam/National General dispatched a tow within 90 minutes, covering the $1,200 cost. The customer praised the quick response and peace of mind.
Case Study 2: Disputed Hail Damage Claim
Source: ConsumerAffairs Review (2022)
A fifth-wheel owner received a $6,200 offer after hail damage despite a $9,000 repair estimate. After contacting the state insurance department, the payout was raised to $8,500. Persistence and understanding policy language paid off.
Case Study 3: Renewal Price Increase
Source: Reddit r/RVLiving (2024)
Multiple RV owners saw renewal hikes up to 25% with no claims filed. One user negotiated a lower premium by presenting competitor quotes, which Good Sam matched. Shopping around can make a difference.
Case Study Summary Table
| No. | Case Scenario | Outcome | Key Takeaway |
| 1 | Breakdown in Arizona | Towed within 90 mins; full $1,200 covered | Quick help, strong reliability |
| 2 | Hail damage payout dispute | Revised from $6,200 to $8,500 | Know your rights and escalate if needed |
| 3 | Premium renewal increase | Rate lowered after comparison | Negotiation saves money |
Pricing, discounts & how to get the best deal
Premiums vary based on RV type, age, driving record, use pattern, and location. Below are common discounts and quoting tips.
Common discounts
- Bundle multiple policies (home, auto, RV)
- Pay-in-full discount
- Storage/off-season discount
- Anti-theft and safety feature discount
How to compare quotes effectively
- Prepare details: VIN, make, model, and attachments.
- Get quotes from at least 3 RV-focused insurers (Good Sam, Progressive, Foremost).
- Compare both price and available endorsements.
- Review sample declarations for limits and exclusions.
Sample premium ranges (estimates)
Actual rates vary widely by profile and state; the table below offers typical ranges.
| RV Type | Estimated Annual Premium |
| Travel Trailer | $300 — $900 |
| Class C Motorhome | $700 — $2,200 |
| Class A Motorhome | $2,000 — $7,500+ |
Comparison: National General / Good Sam vs competitors
Here’s a snapshot comparing popular RV insurers. Confirm details with each provider before buying.
| Feature | Good Sam / National General | Progressive | Foremost |
| Total loss replacement | Available for newer RVs | Available | Depends on plan |
| Permanent attachments | Offered as add-ons | Optional extras | Often included |
| Personal effects | Standard with upgrade options | Flexible limits | Flexible limits |
| Roadside assistance | Good Sam branded service | Available | Available |
| Full-time RV use | Yes (specific underwriting) | Yes | Yes |
Reputation & customer feedback
Feedback is mixed — many praise affordability and RV-focused features, while complaints usually mention slow communication or delays. Check ConsumerAffairs, BBB, and RV forums for current user experiences.
State & underwriting notes
Coverage options differ by state. Since National General underwrites most Good Sam policies, confirm local availability and regulatory filings with your state’s Department of Insurance.
FAQ
Q: Does Good Sam cover rental RVs?
A: Some policies allow this with the right endorsement. Always disclose rental use during the quote process.
Q: What’s the difference between ACV and replacement cost?
A: Actual Cash Value pays depreciated value; replacement cost pays to replace your RV without depreciation, if eligible.
Q: How should I document permanent attachments?
A: Keep receipts, take dated photos, and record serial numbers to include with your endorsement paperwork.
Buying checklist — what to have ready
- VIN, make, model, year, mileage
- Photos & receipts for attachments
- Inventory of personal effects
- Driver records
- Usage type (seasonal/full-time) & storage location
- Desired add-ons (replacement cost, roadside help)
Sources
Last updated: October 15, 2025. This guide compiles public data and community input for educational purposes. Always verify with official Good Sam / National General policy documents or a licensed insurance agent.
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