good sam rv insurance is one of the best-known names in the RV world, but it works differently than most insurers. Good Sam is an insurance agency, not an underwriter. It shops your RV risk across partner carriers including Progressive, National General, Safeco and Foremost. As a result, the policy you buy is issued by one of those companies, while Good Sam handles the quoting and service. The agency is part of Camping World Holdings and connects to the Good Sam Club membership program. Coverage is available nationwide, though your exact options depend on which partner carrier writes your policy. For RV owners who want one phone call and several quotes, that structure has real appeal.
Good Sam RV Coverage Options
Core coverage looks familiar. You get bodily injury and property damage liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist protection. Comprehensive matters more for RVs than for cars. It covers hail, falling branches, theft, fire and storm damage while your rig sits parked. However, the standard pieces are not what separate RV policies from auto policies.
The RV-specific endorsements do. Total loss replacement pays for a brand-new comparable RV if yours is totaled or stolen within its first five model years. Vacation liability extends your liability protection to campsite accidents, which happen when the RV is parked and being used as a residence. Emergency expense coverage reimburses lodging and meals if a covered loss strands you more than 100 miles from home. In most cases that benefit runs $750 per occurrence, though limits vary by carrier.
Two more features stand out. Every Good Sam policy includes up to $3,000 in personal effects coverage at no extra charge, which protects clothing, electronics and camping gear inside the rig. Permanent attachments coverage protects awnings, satellite dishes, antennas and solar panels that a standard auto policy would ignore. Full-timer coverage is also available. It adds comprehensive personal liability and medical payments to others, functioning much like homeowners insurance for people who live in their RV year-round.
Good Sam RV Discounts Available
Discounts are where the agency model earns its keep. Good Sam reports that customers save an average of $521 per year from discounts. The multi-vehicle discount is the largest, worth up to 20% when you combine auto and RV coverage. The multi-policy discount saves up to 10% when you also insure a home or condo through the agency.
The storage discount is the one part-time RVers should ask about first. When your rig is stored 30 days or more, collision and liability coverage is suspended while comprehensive stays active. Your RV remains protected from theft, fire and hail, but you stop paying for road risk you are not taking. Good Sam cites premium reductions of up to 53% during storage months. For example, a snowbird who parks a fifth wheel from November through March can cut a meaningful share of the annual bill.
Other discounts include paid-in-full, paperless billing, original owner, homeowner, new business, and accident-free/claims-free credits. Good Sam Club membership can unlock additional savings, plus campground and fuel discounts that sit outside the insurance policy. Typically, stacking three or four of these produces the quoted savings figure of roughly $530 a year for switchers.
Good Sam Customer Ratings and Satisfaction
Ratings require a caveat. Because Good Sam is an agency, J.D. Power and AM Best do not rate it directly. They rate the carriers behind the policy, so your experience depends heavily on which one you land with. National General, a frequent Good Sam partner, holds an A+ (Superior) financial strength rating from AM Best. That signals a strong ability to pay claims.
Customer satisfaction is a weaker story. National General finished last among 20 insurers in J.D. Power’s most recent U.S. Auto Claims Satisfaction Study, scoring nearly 100 points below the segment average. Its NAIC complaint index has been reported around 5.16, well above the 1.0 baseline that represents an average complaint volume. Progressive and Safeco generally score closer to industry norms, which is why asking who is underwriting your quote matters.
Good Sam Enterprises holds an A+ grade from the Better Business Bureau, yet BBB consumer reviews average roughly 1.11 out of 5 stars. Complaints cluster around slow roadside assistance dispatch and unresponsive customer service rather than outright claim denials. However, that gap between the BBB grade and the review score is worth weighing before you buy.
Good Sam RV Pros and Cons
Pros:
- Multi-carrier quoting across Progressive, National General, Safeco and Foremost from a single agent, with reported average switcher savings near $530 per year
- Storage discount can cut premium up to 53% during off-season months while keeping comprehensive coverage active
- Genuine RV endorsements included or available: $3,000 personal effects, permanent attachments, vacation liability, $750 emergency expense and total loss replacement
Cons:
- Service quality varies by underwriter; National General carries an NAIC complaint index near 5.16 and last-place J.D. Power claims satisfaction
- BBB consumer reviews average about 1.11 out of 5 stars, with recurring complaints about roadside dispatch delays
- No proprietary insurance mobile app; policy servicing and online claim filing depend on the partner carrier’s platform
Who Should Choose Good Sam?
Part-time and seasonal RVers are the clearest fit. If your rig sits in storage half the year, the storage discount does real work. Snowbirds, weekend campers and owners of towable travel trailers benefit most from that structure.
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Shoppers who dislike comparison shopping also benefit. One conversation produces several carrier quotes, which typically beats filling out four separate online forms. Owners of unusual rigs should call too. Good Sam writes DIY camper van conversions that many mainstream insurers refuse.
Full-time RVers should shop carefully. Full-timer policies cost more, often running from several hundred to a few thousand dollars annually depending on rig value and location. Policygenius data puts Good Sam’s average annual premium around $1,336. Compare that against Progressive direct and specialty full-timer insurers before committing.
Frequently Asked Questions
Does Good Sam actually underwrite my RV policy?
No. Good Sam is a licensed agency that places your policy with a partner carrier. Progressive, National General, Safeco and Foremost are the most common underwriters.
How do I file a Good Sam RV insurance claim?
Call 1-888-514-1116, available 24 hours a day, seven days a week. National General policyholders can also file online. A dedicated adjuster then coordinates the RV appraisal.
Is Good Sam Club membership required to buy the insurance?
Membership is not required for a quote. However, membership unlocks extra savings plus campground and fuel discounts. Roadside assistance plans are sold separately, starting around $64.95 per year.
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Official Sources & Resources
For verified information on auto insurance companies and consumer protection:
- NAIC (National Association of Insurance Commissioners): naic.org
- Insurance Information Institute: iii.org
- National Highway Traffic Safety Administration (NHTSA): nhtsa.gov
- AM Best — Insurer Financial Strength: ambest.com
Content last reviewed July 2026. If you notice any outdated information, please contact us.