Travel trailers bring a unique sense of freedom, allowing you to hit the open road and explore the world at your own pace. But with that freedom comes responsibility—and risks. That’s where Good Sam Travel Trailer Insurance steps in. Whether you’re a weekend warrior or a full-time RVer, having the right coverage is essential.
Let’s break down everything you need to know about Good Sam’s insurance options, how they stack up, and why many RVers swear by them.
What Is Good Sam Travel Trailer Insurance?
Good Sam is a well-known name in the RV world, offering everything from roadside assistance to club memberships and travel gear. Their Travel Trailer Insurance is specifically designed for RV owners who want specialized protection beyond what traditional auto insurance provides.
Unlike standard car insurance, Good Sam’s policies take into account the unique needs of RVers. We’re talking about things like permanent attachments, vacation liability, and full replacement cost—features you likely won’t find in a basic auto policy.
Why Regular Auto Insurance Isn’t Enough
Most people assume their car insurance will cover their travel trailer. That’s true—to a point. Auto insurance might cover some basic liability while towing the trailer, but it rarely offers:
- Personal belongings protection
- Damage from theft or vandalism while parked
- Roadside assistance tailored to RVs
- Full-timer liability coverage
That’s where Good Sam comes in, offering insurance that’s designed specifically for the RV lifestyle.
Key Features of Good Sam Travel Trailer Insurance
What sets Good Sam apart from other insurers is how tailor-made their policies are. Let’s dive into some standout features.
1. Full Replacement Cost Coverage
If your trailer is totaled or stolen, Good Sam offers full replacement cost for new models (within certain time limits). That means you don’t just get the depreciated value—you get a brand-new trailer.
This is huge because travel trailers depreciate rapidly, just like cars. Without full replacement coverage, you could be left owing more than your insurance will pay.
2. Personal Belongings Coverage
Travel trailers often become second homes—or full-time ones—for many people. You’ve got gear, electronics, kitchen appliances, and maybe even some sentimental stuff packed inside. Good Sam’s insurance includes personal effects replacement, helping you recover if something gets damaged or stolen.
Some personal belongings that may be covered:
- Camping gear
- Clothing
- Electronics
- Kitchen supplies
- Furniture and bedding
3. Emergency Expense Coverage
Say your trailer breaks down far from home and you’re forced to stay in a hotel. Good Sam’s policy covers lodging, transportation, and even meals under emergency conditions. This feature is especially helpful for full-timers or travelers covering long distances.
What Types of Travel Trailers Are Covered?
Good Sam covers a wide range of trailers, not just traditional towables. If it’s got wheels and it’s meant for travel or living, chances are they cover it.
Here are some examples:
- Conventional Travel Trailers
- Fifth Wheels
- Toy Haulers
- Pop-Up Campers
- Teardrop Trailers
- Airstreams
- Truck Campers
The policy options may vary slightly depending on the trailer type, but the core protections remain strong across the board.
Optional Add-Ons Worth Considering
One size doesn’t fit all when it comes to insurance. Good Sam offers several useful optional coverages, allowing you to build a policy that fits your exact needs.
Roadside Assistance
Although Good Sam sells a separate roadside assistance membership, you can also add it to your insurance. This is more than just a tow truck—it’s a full-scale support system for RVers.
It covers:
- Flat tires
- Battery jump-starts
- Towing to the nearest repair facility
- Lock-out assistance
- Emergency fuel and fluid delivery
Full-Timer Coverage
If your travel trailer is your primary residence, this one’s a must-have. Think of it like homeowner’s insurance for your trailer. It includes:
- Personal liability protection
- Medical payments for guests
- Additional living expenses if your trailer becomes unlivable
Good Sam vs. Other RV Insurance Providers
Good Sam isn’t the only player in the RV insurance market. Others like Progressive, GEICO, and National General also offer solid options. But how does Good Sam really compare?
Pros of Good Sam Insurance
- Specialized Focus – Good Sam is RV-first. Their customer service reps understand the lifestyle.
- Member Perks – If you’re a Good Sam Club member, you may receive discounts.
- Flexible Coverage – Lots of optional coverage to tailor your policy.
- Multi-Trailer Discounts – If you have more than one RV or trailer, you may save more.
Cons to Consider
- Limited Availability – Some policies may not be available in every state.
- Bundling Limits – Unlike big insurers, they may not offer home/auto bundling.
Still, for travel trailer enthusiasts, Good Sam often stands out because of how customized and RV-centric their coverage is.
What Does It Cost?
Good Sam doesn’t advertise flat rates online because pricing depends on many factors:
- Your trailer’s age and value
- Where you live
- How often you use it
- Your driving and claims history
- Whether you’re a full-timer
Average Pricing Breakdown
Here’s a rough ballpark:
- Basic Travel Trailer Insurance: $200 to $500 annually
- Full-Timer Coverage with Add-Ons: $800 to $1,500 annually
Of course, these are estimates. The best way to get accurate pricing is to request a quote directly from Good Sam.
Tips for Getting the Best Rate
Want to save a few bucks while still getting excellent coverage? Here are some smart ways to lower your premium:
- Join the Good Sam Club for policy discounts
- Bundle multiple RVs or trailers under one policy
- Store your trailer in a secure location when not in use
- Choose a higher deductible (but only if you can afford it)
- Ask about safe driver discounts or loyalty rewards
How to File a Claim with Good Sam
Nobody wants to use their insurance—but it’s crucial that the claims process be smooth when the time comes. Good Sam makes it easy with 24/7 claims support and a U.S.-based team familiar with RV repairs and parts.
Claim Process Steps:
- Call their claims line or log in online
- Submit your incident report and any necessary documentation
- An adjuster evaluates the damage
- You select a repair shop (they have a preferred network, too)
- Get your trailer back on the road!
Many users report fast turnaround and helpful support—two things you absolutely want when your home-on-wheels is sidelined.
Final Thoughts: Is Good Sam Travel Trailer Insurance Worth It?
If you own a travel trailer and love road-tripping or camping off the grid, Good Sam Travel Trailer Insurance is absolutely worth considering. It’s tailored, flexible, and designed for people who live or vacation in their RVs.
Whether you’re protecting your investment, your personal belongings, or your peace of mind, this policy checks all the right boxes. It might not be the cheapest option for every situation, but it offers great value for RV-specific needs.
So before you hitch up and hit the highway, take a minute to protect your trailer the smart way—with insurance that understands your lifestyle.
