RV insurance frequently asked questions

Switching to the Good Sam Insurance Agency is a hassle-free process that can be done anytime. It could also save you up to $530 per year.¹ Please check your policy for cancelation details. To get started, complete a quote online or by phone at 1-888-514-1116.

For policies with the storage option ² feature, whenever you're storing your RV for 30 days or more, you can activate it to "turn off" the coverages you don't need and reduce your premium. You'll still be protected from hazards like theft, fires and storms.

With a policy from the Good Sam Insurance Agency, attachments and accessories like awnings, levelers, tow kits and antennas are covered for the full amount it would cost to replace them – at no extra charge. You can add more coverage for custom equipment if you need it.

Choosing the right coverage for you and your RV may seem daunting, but our RV insurance pros will help you make the right decision. Just call 1-888-514-1116. Here are some factors to consider when determining the right RV insurance for your needs:

• State Requirements – You must meet your home state's minimum RV insurance requirements. 
• Leased or Financed Vehicles – If you lease or finance your RV, your lender may require you to carry a certain level of coverage. Once you've paid off your RV, you may decide to modify your plan. 
• Deductibles and Coverage Limits - Make sure you select deductibles and coverage limits that you can realistically meet in case of a claim. While it may cost more upfront, broader coverage could save you money long-term.
• Storage Option - The storage option saves you money when your RV is in storage for 30+ days by suspending collision and liability coverages. Comprehensive coverage remains in effect to protect you from hazards like theft, fires and storms.

At the Good Sam insurance agency, our licensed agents specialize in providing customized insurance policies tailored to meet the unique needs of every RVer’s lifestyle. While most "ordinary" auto insurers treat RVs like big cars, we offer specialized coverages that no RVer should be without, like personal effects coverage, permanent attachments coverage, optional full replacement cost coverage, and more. When it comes to filing a claim, you can rest assured that your case will be handled by claim experts with extensive training who will guide you through the process. Whether you're a full-timer, weekend warrior, pulling a travel trailer, or driving a fifth-wheel, you can trust our RV insurance professionals to help safeguard your adventures properly.

The Good Sam Insurance Agency offers many ways to lower what you pay for RV insurance, including savings and discounts for:

• Being a Good Sam Club Member
• Paying your premium in full
• Bundling your RV and automobile
• Being a safe driver
• Having safety and anti-theft devices
• Using the Storage Option when your RV is not in use
• And much more...

RV customers who switch save an average of $530 per year. Get a free quote online or call 1-888-514-1116 to see how much you can save.

All the drivers that you list when you purchase your recreational vehicle insurance policy will be covered. Please call 1-888-514-1116 if you have any questions about listing drivers on your policy.

Once you’ve purchased a policy from our preferred provider through the Good Sam Insurance Agency, you can call 1-888-514-1116 or create an account online to:

• Pay your bill
• Print RV insurance policy documentation
• Get information regarding claims
• Change your RV insurance deductibles and coverage limits
• Remove or add RVs and drivers
• Update your contact information and billing address

Yes. The Good Sam Insurance Agency features full-timer coverage designed to provide protection similar to a homeowners policy for RVers who live in their recreational vehicles for more than six months out of the year.

Yes, with optional full replacement cost coverage.³ If your RV is totaled or stolen (and not recovered) in its first five model years, it will be replaced with a comparable new one, even if you're not the original owner. After the first five model years, you will receive your full original purchase price – not a depreciated amount – toward the purchase of a replacement RV.