Good Sam RV Insurance

Rudibuck

Does anyone have experience with the Good Sam RV Insurance Company? We received an offer in the mail and the premium is half of what we currently pay through Allstate. Any feedback regarding claim process, Customer Service, etc. Thank you!

Nomad

Might check out "Blue Sky" insurance also - specialize in campers/rvs - Policies etc get emailed as PDFs

Rudibuck

I will do that. Thanks for the tip!

JandJ92010

We insure 3 vehicles and the T@B through The Hartford. The T@B is $75.00 a year.

Nomad

Can't recall what I pay for the T@B but mine's more like homeowners insurance since I'm full-timing it.

JandJ92010

boo said:

JandJ92010 said:

We insure 3 vehicles and the T@B through The Hartford. The T@B is $75.00 a year.

If you don`t mind me asking, what model year is your T@B?.
Also, is the $75. a year for liability only?.
That price seems incredibly low for a $20,000 camper.

The T@B is a 2015, liability, bodily injury, property damage, medical payments, uninsured motorist bodily injury is covered by my auto coverage. The rest is $75.00/yr. with $250/500 deductible.

XPADREX

Good Sam is underwritten by Allied/Nationwide. I have them. When you pursue coverage, be sure to consider the following: 1. Do you have personal effects coverage? All of that extra stuff you keep onside might not be covered unless you do. 2. In the event of a total loss, what will they pay? ACV (actual cash value), which is typically based on finding comparable used units like what you had; replacement cost (which will pay for another new Tab), or Agreed Value (a preset amount that you will receive if your vehicle cannot be repaired). 3. Do you have any trip interruption coverage?

If you full-time, discuss that as you might want greater liability. If you think you might head south of the border, check your policy. Mexico typically requires a separate policy or endorsement. 

Dont find out after a loss what you should have e had. /soapbox

Rudibuck

Thank you everyone for the great tips!

Mouseketab

Ours runs about $150 a year for collision/comprehensive through Alfa. (Alabama Farm Bureau) The liability is covered by our tow vehicle insurance, also through Alfa.

Floridaloha

I got a quote from Progressive for a 2016 T@B for $475/year if I pay it all up front, $580 if I pay monthly. This was through USAA (who farms out their RV insurance to Progressive) so they said it was a discounted rate. $500 deductible, full replacement value, roadside assistance. I estimated 48 days a year camping. I thought this was expensive and it appears it might be.  I'm wondering why liability, bodily injury, property damage, medical payments, and uninsured motorist bodily injury would need to be taken out twice, once for auto and once for an RV? Anyone know? 

Photomom

Our Progressive policy is a bit more than half that, including glass coverage and roadside assistance. We got the policy through an independent agent who handles our home and auto insurance. We have liability coverage through our home and auto insurance.

Do they understand it is a travel trailer and not a motor home?

swei0009

Floridaloha I got a similar quote from Progressive (also via USAA).  I wonder if Photomom is on to something, and they think it's a motor home?  I'd hate to have to call and talk to someone, ugh.

KyBawpaw

I have AAA+RV, is this the type of policy ya'll discussing?

Norbert1223

My coverage is through Pemco and is also included with my vehicle coverage and is $96.00 a year.