Good Sam Insurance Policy out there? - Page 2 - Fiberglass RV


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Old 08-19-2014, 02:55 PM   #15
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Name: Michael
Trailer: Li'l Hauley
Oklahoma
Posts: 5,142
I dropped the Good Sam policy too. My current trailer is now insured on the same policy as my vehicles, with Allstate.

My main motivation for trying Good Sam in the first place was that I also have a cargo trailer for business and I thought I'd have more protection for it with the Good Sam policy. They told me I would. Then I got the policy, read it, and found out that it specifically excludes anything used for business. So I told them to take the cargo trailer off the policy, but kept it on the travel trailer until I sold it this summer (and cancelled Good Sam insurance).

When I bought another trailer 2 weeks later, calling the Allstate agent and adding another trailer to the auto policy was easier than starting a new policy with Good Sam.

One thing Good Sam lets you do easily is to contact them and have them put the trailer into "storage mode", covered by comp but not collision. This drops the premium substantially. However, I could see myself forgetting to contact them and have it removed from storage mode before a trip... in which case a collision would not be covered. I don't want to monkey around with that any more, so for me it isn't a factor.
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