Many RV owners are always looking for affordable insurance. RV coverage can be expensive, especially if you travel often or own a large motorhome. That’s why some people look to big retailers like Sam’s Club for deals. But here’s the question: Does Sam’s Club actually offer RV insurance? And is it any good?
In this article, we’ll break down everything you need to know about Sam’s Club and RV insurance. We’ll talk about how it works, what’s covered, how to buy it, and whether it’s worth it. Everything will be in plain language—no fancy terms or confusing details. Just what you need to know to make a smart decision.
What Is Sam’s Club RV Insurance?
Sam’s Club is known for big savings on groceries, electronics, and household goods. But they also offer more than just in-store products. As part of their membership perks, Sam’s Club partners with outside companies to offer things like car insurance, travel services, and yes—even RV insurance.
Now, it’s important to understand that Sam’s Club does not directly sell RV insurance. They don’t have their own insurance brand. Instead, they partner with an insurance provider to give Sam’s Club members special discounts or benefits.
As of recent years, Sam’s Club has worked with companies like Liberty Mutual and AIS Insurance. These are big insurance companies that handle the policies and customer service. Sam’s Club just helps connect you to them—usually through a member-only link or special access page.
So when you buy “Sam’s Club RV insurance,” you’re really buying RV insurance through a partner, but at a possible discount or with extra perks because you’re a member.
What Does Sam’s Club RV Insurance Typically Cover?
Since Sam’s Club partners with traditional insurers, the policies you get are standard. That’s a good thing—it means you’re not getting stripped-down or limited coverage. You can expect a full insurance package with options like:
Liability Coverage
This pays for damage or injuries you cause to others while driving your RV. It’s required by law in most places.
Collision Coverage
If your RV hits something or someone hits you, this helps pay for the damage to your own vehicle.
Comprehensive Coverage
This protects your RV from non-driving damage like theft, fire, vandalism, or falling trees.
Uninsured/Underinsured Motorist
If someone hits you and they don’t have insurance (or not enough), this coverage helps pay for your costs.
Medical Payments
If you or your passengers are hurt in an accident, this coverage helps with medical bills.
Roadside Assistance
Some RV insurance plans include or offer roadside help for things like flat tires, breakdowns, or towing.
Vacation Liability
This is helpful if you’re parked at a campground and someone gets injured in or around your RV. It gives extra liability protection during your trip.
Personal Belongings Coverage
Your RV may hold laptops, clothes, or camping gear. This helps replace those items if they’re stolen or damaged.
Every policy can be different, depending on which company Sam’s Club is partnered with when you apply. But overall, the coverage you get through Sam’s Club is similar to what you’d find buying insurance directly from a provider.
Who Can Get It?
To get RV insurance through Sam’s Club, you need to be a member. Sam’s Club has a few membership levels, but usually, any paid membership will give you access to their insurance deals.
You also need to:
Own an RV (motorhome, travel trailer, camper van, etc.)
Have a valid driver’s license
Be a resident of a state where their insurance partner is licensed
Pass any required background or driving checks from the insurance company
The actual insurance company—not Sam’s Club—will review your information and decide your premium.
How Do You Buy RV Insurance Through Sam’s Club?
Buying RV insurance through Sam’s Club is simple. Here’s how it usually works:
Go to the Sam’s Club Insurance Page
Log into your member account and look for “Auto & RV Insurance” in the services section.
Get a Quote
You’ll be asked to fill out basic information about your RV—its year, make, model, how often you use it, where it’s parked, and who drives it.
Compare Options
The insurance partner (such as AIS or Liberty Mutual) may give you several quotes from different insurers.
Choose Your Coverage
Pick the policy that fits your budget and needs. You can adjust things like deductibles and coverage limits before buying.
Buy the Policy
Once you’re happy, you can buy the insurance right online or talk to a rep over the phone.
The process is quick and easy. You don’t have to go to a Sam’s Club store, and all the paperwork is handled online or by the insurance company.
How Much Does It Cost?
RV insurance prices vary based on many factors:
Type of RV (Class A, B, or C? Trailer or camper van?)
Value of the RV
How often and where you drive it
Your driving history
Where the RV is stored
The coverage options you choose
Because Sam’s Club offers group discounts, you might get a lower rate than buying directly from an insurance provider. In some cases, you may save up to 30%.
But keep in mind that not every Sam’s Club member will get a better rate. It depends on your risk profile and the offers available in your area.
Is It Better Than Other Insurance Options?
Sam’s Club RV insurance can be a good deal if you:
Already have a membership
Want an easy way to compare multiple quotes
Like the idea of group discounts
Are looking for a trusted, national brand
But it’s still smart to shop around. Other RV insurance providers, like Progressive, Good Sam, or Roamly, might offer better coverage or prices depending on your needs.
Always compare at least three quotes before making a decision. And don’t forget to read the fine print. Just because Sam’s Club connects you to an insurer doesn’t mean the deal is automatically the best.
What If You Already Have Car Insurance?
If you already have car insurance with a provider like GEICO, Allstate, or State Farm, you may want to ask if they offer RV coverage, too. Sometimes bundling your policies (car, home, and RV) can get you a discount.
But here’s the thing—many people find that RV specialists offer better coverage for motorhomes and trailers. That’s because RV insurance is different. It’s more like a mix of auto and homeowner’s insurance. And not every company understands that.
With Sam’s Club, you’re likely to be connected to a company that has experience with RV coverage. That’s a big plus.
What Should You Watch Out For?
While Sam’s Club RV insurance can be a smart choice, here are a few things to look out for:
Not all RV types may be covered. Some smaller or custom-built campers might not qualify.
Coverage may vary by state. Not all policies are available everywhere.
Discounts aren’t guaranteed. Your rate depends on your risk level.
You’ll deal with the partner, not Sam’s Club. Once you buy, all customer service goes through the insurance company.
So don’t assume everything is handled by Sam’s Club. Think of them as the middleman.
What If You Cancel Your Membership?
If you cancel your Sam’s Club membership, your insurance won’t stop right away. But you may lose the discount at your next renewal. That means your premium could go up unless you switch to another plan or provider.
If you plan to stay insured through Sam’s Club long-term, it makes sense to keep your membership active. Luckily, the membership fee is low, especially compared to the savings on insurance and other member benefits.
Conclusion
So, is Sam’s Club RV insurance worth trying? For many RV owners, the answer is yes.
If you’re already a Sam’s Club member, it’s a no-brainer to check their insurance portal. You may get a better deal than going directly to an insurer. It’s also an easy way to compare quotes from multiple providers without spending hours calling around.
That said, always do your homework. Make sure the policy fits your needs, the company has good customer service, and the coverage is complete. Look at reviews. Ask questions. And read the terms before signing anything.
RV insurance is not just about saving money—it’s about protecting your vehicle, your trips, and your peace of mind.
In the end, Sam’s Club RV insurance is a solid option for smart shoppers. It’s easy, affordable, and backed by reliable partners. Just take the time to understand what you’re getting, and you’ll be ready to hit the road with confidence.
Related topic:
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