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RV Insurance or Car Insurance Comparison Chart : Good Sam RV Insurance
RV vs. Auto Insurance
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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.

1 State Farm, Allstate, Travelers, Safeco, Liberty Mutual and other companies not specializing in RV insurance.

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.

Did You Know?

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Homeowners Insurance

Designed to protect your residence and also your peace of mind.

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Multi-Vehicle Discount

Multiple vehicles? Then multiply your savings!

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