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 Insurers* |
|---|---|---|
| Coverage for Personal Belongings | Protects up to $3,000 of personal effects in your RV at no extra charge (more coverage available). | Not offered. |
| One Policy for both RVs and Autos | Earn a discount of up to 20% for putting your RV and autos on the same RV insurance policy. | Not offered. |
| RV Claims Experts | Your claim will be processed by recreational vehicle specialists who understand the intricacies of your RV. | Auto adjusters who don't know RVs may be assigned to your claim. |
| Full Replacement Cost Coverage Option | If your RV is stolen or totaled within its first five model years, you'll get a comparable new one.1 | May not be available; usually limited to a single 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 | Gives you protection similar to homeowners insurance if you live in your recreational vehicle. | Not offered. |
| Storage Option | Reduce your premium by suspending RV coverages you don't need when you're not using your recreational vehicle | Not offered. |
| Service Call Allowance | Pays for an expert to come to you at the campground or other location of your choice.2 | Often ask you to pay extra for service calls. |
| Hitch Coverage | Cover your entire hitch assembly at replacement cost, including the parts that attach to your truck or tow vehicle.2 | Limited availability. |
| Coverage for Permanent Attachments | Coverage for items like satellite dishes, awnings, antennas and more. | Not offered. |
*
*State Farm, Allstate, Travelers, Safeco, Liberty Mutual and other companies not specializing in RV insurance.
1 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. RVs with an original cost new of $500,000 or more will be insured only if all autos in household are also insured with GMAC Ins. Underwriting approval required.
2 Applies in the event of a covered claim.
1 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. RVs with an original cost new of $500,000 or more will be insured only if all autos in household are also insured with GMAC Ins. Underwriting approval required.
2 Applies in the event of a covered claim.
Homeowners Insurance will cover some personal belongings in your RV, but typically with high deductibles and not necessarily the protection you need. Learn more.
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to speak with an agent directly.
Be sure to mention Savings
Code VB-80 to get the best rate.