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Old 04-23-2012, 04:25 PM   #1
old turbo
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Good Sam RV Insurance

I am thinking about going with The Good Sam RV Insurance. I like the part of not paying for the months when you do not use the RV. This year we did not go south for the winter and the RV was in storage for five months. I have National Interstate now and they will not put storage on my RV I have to keep full coverage. I would like to get some comments about the Good Sam Insurance and how it worked for you.
 
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Old 04-24-2012, 05:38 AM   #2
CATCRAW
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We decided to go with the Good Sam RV Insurance after comparing several. We also liked the option to change the policy to "Storage" when we park it for the winter. This was our first year with them, and fortunately we have not had any claims. The "Storage" option worked great. You just call them and tell them the effective date and they send you a rebate check on the collision portion paid on the policy. I just called them to take out of "Storage". It is effective at midnight the day you call. Saved us some money this year.
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Old 04-24-2012, 06:23 AM   #3
brenkco
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I am not sure about other states, but GMAC insurance in California offers replacement cost coverage for the first 5 model years. After, the coverage reverts to ACV (actual cash value). Other companies offer agreed value after 5 years, which if insured correctly is the purchase price. The differece between an ACV settlement and agreed value can be significant.

GMAC tells us that although they are not currently filed for agreed value for RV's 5+ years, they are looking into it. For my clients (I am an agent), this coverage difference is not acceptable. I know rates vary from state to state but in our area Good Sam's replacement cost rate is about double other companies, the ACV rate is about 40% higher than the agreed value rate.

One tip while shopping, don't just compare rates: check loss settlement provisions for the rv and contents, towing and extra expense, full timers liability coverage.

Ken
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Old 05-08-2012, 02:13 PM   #4
DieselGeezer
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Progressive Insurance Co. covers our 2 cars, 3 boats and they give us a pretty healthy discount on our 5th-wheel ins. I have gotten quotes from Good Sams and a few other Co.'s but none have been able to match Progressive because of the other policies. I would like not to have to have a single policy depend on all the rest. It always gets to be such a hassle to change all the policies because of one.
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Old 05-08-2012, 03:22 PM   #5
DQDick
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I'm in the middle of changing insurance and while the Good Sam quote was fast and appears to be a reasonable one, the loss of replacement coverage in three years (our rig was a year old when we bought it new) isn't acceptable to me.
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