How Does Specialized RV Coverage Compare to “Ordinary” Car Coverage?
Most ordinary auto insurers treat your recreational vehicle like it's just a big car, but the Good Sam Vehicle Insurance Plan provides specialized RV insurance protection designed specifically for RVers. Don't hit the road without it!
|RV-Specific Features||The Good Sam Vehicle Insurance Plan||“Ordinary” Car Insurers1|
|Coverage for Personal Belongings||Gives you up to $3,000 of coverage for your RV's contents at no extra charge.||Not offered.|
|One Policy for both RVs and Autos||Your RVs and autos appear on one convenient policy, so you can earn multi-vehicle discounts of up to 20%.||Not offered.|
|RV Claims Experts||Your claim will be handled by knowledgeable RV claims representatives who understand RVs.||Auto adjusters who don't know RVs may handle your claim.|
|Full Replacement Cost Coverage Option||Provides a new RV if yours is totaled or stolen.2||May not be available; usually limited to one year of coverage.|
|Allowance for Emergency Expenses||Helps cover food, travel and lodging if you have a covered claim away from home (provided at no added cost).||Not offered.|
|Coverage for Full-Time RVers||Provides coverage similar to homeowners if you live in your RV.||Not offered.|
|Storage Option||Save an average of 53% off your premium while you're not using your RV!||Not offered.|
|Service Call Allowance||Pays for an expert to come to you at the location of your choice.3||Often make you pay extra.|
|Hitch Coverage||Your entire hitch assembly is covered at replacement cost, including the part that attaches to your truck or tow vehicle.3||Limited availability.|
|Coverage for Permanent Attachments||Automatically covers items like awnings and antennas for full replacement cost.||Not offered.|
2 If your RV is totaled or stolen (and not recovered) in its first five model years it will be replaced with a comparable new RV, 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 the replacement RV. Replacement Cost Coverage must be purchased during the RV’s model year or within the following four years.
3 Applies in the event of a covered claim.
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