TABLE OF CONTENTS
- Understanding Camper Van Insurance Needs
- Exploring the Coverage Options: Roamly vs Good Sam
- Get a Camper Van Insurance Quote
Understanding Camper Van Insurance Needs
Selecting the perfect insurance for your camper van is just as vital as picking the van itself. Let's embark on an insightful comparison of Roamly and Good Sam to find out which insurer aligns best with your adventurous lifestyle.
When it comes to camper van insurance, it's important to understand your specific needs. Whether you're a seasoned camper van owner or a prospective buyer, having the right insurance coverage is essential for protecting your investment and providing peace of mind.
Camper van insurance typically includes coverage for physical damage, liability, and personal belongings. While these are the basic components, it's important to consider additional coverage options such as roadside assistance, rental reimbursement, and full-timer coverage if you live in your camper van full-time.
So, let’s break down what Roamly and Good Sam offer, and find out which one will keep your camper van — and your travels — safe and stress-free!
Exploring the Coverage Options: Roamly vs Good Sam
Roamly and Good Sam are both well-known insurance providers in the camper van industry. However, they may differ in terms of the coverage options they offer.
Roamly Insurance Coverage
Roamly offers a wide range of insurance options tailored specifically for camper van owners, whether you're renting out your vehicle or living in it full-time. Let's take a closer look at the various types of coverage they provide:
- Liability Coverage: Covers you in the event you're responsible for an accident, ensuring that injuries or damages to others' property are taken care of.
- Comprehensive Coverage: Protects against non-collision damages, including theft, vandalism, and weather-related incidents like hailstorms or falling trees.
- Collision Coverage: Covers repair costs for your camper van when it crashes into another vehicle or stationary object.
- Roadside Assistance: Offers assistance if you experience a breakdown, delivering services such as towing, fuel supply, or battery jumpstarts.
- Full-Time RV Insurance: For individuals who reside in their camper van for a minimum of six months annually, it provides coverage for personal belongings, emergency expenses such as temporary accommodations if your van is damaged, and medical payments for any injuries sustained.
- Vacation Liability: Provides protection for incidents or injuries that happen while your camper van is stationed at a campsite or RV park.
- Sound System and No-Deductible Glass Coverage: Optional add-ons for added assurance, ensuring coverage for audio equipment damage and windshield replacement at no extra cost to you.
Additionally, Roamly stands out by offering coverage for DIY camper van conversions, which many other insurance providers don't insure. This makes it ideal for van life enthusiasts with custom-built vehicles.
A standout feature that sets Roamly apart is their unique policy flexibility, which allows you to rent out your camper van without risking policy cancellation. This rare benefit, not typically offered by traditional insurers, provides unparalleled freedom and an extra income stream for van owners. While your coverage doesn't extend to renters, they have the option to purchase their own renter's insurance that kicks in from their reservation's start date until its end date.
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Good Sam Insurance Coverage
On the other hand, Good Sam specializes in RV insurance and offers coverage for camper vans as well. Their policies may include protection against collision, comprehensive damage, and liability. They also provide coverage for personal belongings and offer roadside assistance.
Good Sam offers a range of RV coverage options that cater to the diverse needs of camper van owners. With every policy, you can benefit from up to $3,000 in personal effect coverage at no additional cost, ensuring that your belongings are safeguarded. Additionally, permanent attachments like awnings, antennas, and satellite dishes are automatically covered.
In the unfortunate event of an accident leaving you stranded over 100 miles from home, Good Sam steps in to cover the expenses for food and lodging.
Their comprehensive RV coverage packages include options for:
- Collision
- Liability
Additional features such as:
- Roadside assistance
- Vacation liability
- Personal effects coverage
- Total loss replacement
- Pet injury coverage
- Storage options
Good Sam covers a wide range of RV types, including:
- Bus conversions
- Class A, B, or C motorhomes
- Travel trailers
- Truck campers
- Fifth-wheels
- Pop-ups
- Utility trailers, and even horse trailers
While specific pricing details may not be listed on their website, Good Sam offers various discounts based on your insurance coverage needs. Factors influencing pricing include your age, driving history, RV specifications, deductible amount, and credit history, with potential savings of up to $500 per year on multiple coverages.
Conclusion: If your goal is to find a flexible policy that allows you to rent your camper van and generate rental income when your vehicle is idle, Roamly stands out as the optimal choice.
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