Roamly vs Good Sam for Van Conversion Insurance (2026 Comparison)

Roamly and Good Sam are the two most-recommended insurance options in the van conversion space, but they serve different segments of the market. Roamly is a specialty agency built around DIY and custom builds. Good Sam is the insurance arm of the Camping World ecosystem, selling National General RV policies under the Good Sam brand. Both can cover a converted van, but their eligibility rules, settlement options, and coverage gaps are different enough that the right choice depends almost entirely on your specific van, your state, and how you use it.

Quick Comparison

	Roamly	Good Sam (National General)
What it is	Specialty insurance agency, multiple underwriters	Good Sam–branded National General RV policies (Allstate subsidiary)
Covers DIY builds?	Yes — core product	Yes — with 7 required features
Toilet/plumbing required?	No	Yes — indoor plumbing and bathroom required
California van conversions?	Yes	No — Class B excluded in CA
Agreed value?	Yes	Yes — up to $300,000 with UW review
Rental coverage (Outdoorsy)?	Yes	No — rental voids the policy
Full-time coverage?	Yes (confirm with placed carrier)	Yes — Full-Timer Protection Plan
Multi-policy bundling?	No	Yes — via Good Sam ecosystem discounts
Published price range	$500–$1,600/year	Not published; consistent with $500–$1,600 range
Single vehicle only?	Not restricted	Not eligible — must have another vehicle

Two Dealbreakers to Check First

Before comparing coverage details, check these two eligibility rules that eliminate one carrier or the other for many van owners:

California. Good Sam / National General does not write Class B van conversions in California. This is explicit in the National General underwriting guide: “Class B motorhomes (van conversions) — Not eligible in California.” If your van is garaged in California, Good Sam is not an option. Roamly writes in California.

Indoor plumbing. Good Sam / National General requires seven permanently installed habitation features, including “bathroom facilities with indoor plumbing.” A van with a portable toilet, a composting toilet in a cabinet, or no toilet at all does not qualify. Roamly requires permanently installed sleeping and cooking — no bathroom requirement.

If either of those rules eliminates a carrier for you, the comparison is over. If both carriers are available for your build, read on.

Build Requirements

Good Sam / National General requires all seven features:

Cooking facilities
Refrigeration
Sleeping quarters
Bathroom facilities with indoor plumbing
Self-contained HVAC
Drinking water supply system
Electrical power system (110-125V or solar)

Roamly requires permanently installed sleeping and cooking. The full build requirements are more flexible, and Roamly has publicly stated that it “updated [its] definition of what constitutes a motorhome to better serve the growing DIY conversion van movement.”

What this means: A well-equipped van with a real bathroom, a heater, and full electrical qualifies at both carriers. A minimalist build without a bathroom or without a dedicated HVAC system qualifies only at Roamly. The bathroom requirement is Good Sam’s strictest gate — it rules out a large share of otherwise well-built conversions.

Settlement Options

This is where Good Sam has a structural advantage over most competitors.

Good Sam / National General offers four settlement options for physical damage, per the underwriting guide:

Total Loss Replacement — replaces the vehicle with a new equivalent for the first five model years. Available on vehicles with original cost under $300,000.
Agreed Value — the policyholder and carrier agree on the insured amount at binding. Available for “unique or highly customized motorhomes.” Maximum $300,000, underwriting review required.
Purchase Price Guarantee — pays up to the original purchase price on total loss. Available on vehicles in the current model year and nine years prior.
Actual Cash Value Plus — pays up to 20% above ACV on total loss. Available on vehicles 20 model years or newer.

Roamly offers agreed value through the carriers it places with. The specifics depend on which underwriting partner handles your policy, but agreed value is a core product feature.

What this means: Both carriers offer agreed value, which is the settlement option that matters most for custom van conversions. Good Sam’s range of additional settlement options (TLR, Purchase Price Guarantee, ACV Plus) provides more flexibility for different situations. For a custom build, agreed value is the one to ask for at either carrier.

Rental Coverage

Roamly explicitly supports peer-to-peer rental through Outdoorsy and similar platforms. The product was designed with rental use in mind, reflecting Roamly’s affiliate relationship with Outdoorsy.

Good Sam / National General lists “vehicles leased or rented to others” as an unacceptable risk in the underwriting guide. Listing your van on Outdoorsy, RVshare, or any rental platform while covered by a Good Sam policy creates a coverage gap and may void the policy.

What this means: If you will ever rent your van, even occasionally, Good Sam is not the right policy. Roamly is the only major option that explicitly covers rental use.

Discounts and Ecosystem

Good Sam’s advantage is the discount stack. Through the Good Sam ecosystem, policyholders can combine:

Good Sam Membership discount
Good Sam Affiliation discount (roadside service or extended warranty enrollment)
RV Association discount
Plus standard discounts: homeowner, enclosed garage, multi-policy, military/EMS, paid in full, and others

These discounts are real — they are defined in the underwriting guide, not marketing. For an owner who already uses Good Sam for roadside, an extended warranty, or a Camping World relationship, the insurance discount stack can meaningfully reduce the premium.

Roamly does not offer bundling discounts in the same way. Roamly’s pricing is competitive on its own, but there is no broader product ecosystem to stack discounts against.

Full-Time Coverage

Good Sam / National General offers a Full-Timer Protection Plan that extends liability and medical payments to include personal liability (comparable to homeowners), and extends physical damage to include supplementary and personal effects coverage at full-time-residency levels. One restriction: the van cannot be the only vehicle in the household for the standard RV product, and the Full-Timer plan has its own rules.

Roamly covers extended travel and full-time use, but the specific terms depend on which underwriting partner places the policy. Confirm full-timer’s endorsement details with Roamly directly before binding.

Single-Vehicle Restriction

Good Sam / National General requires the RV to not be the only vehicle in the household. If your van is your only vehicle, you are not eligible for the standard RV product. This catches full-time vanlifers who have sold their daily driver.

Roamly does not have this restriction as a blanket rule, though the specific carrier placed may have its own requirements.

Who Should Choose Roamly

Your van is garaged in California
Your build does not have indoor plumbing or a full bathroom
You rent or plan to rent the van on peer-to-peer platforms
The van is your only vehicle
You want a quoting process built for non-standard builds

Who Should Choose Good Sam

Your build has all seven required features including a real bathroom
You are outside California
You already use Good Sam for roadside, warranties, or membership (discount stacking)
You have a second vehicle (the van is not your only car)
You want a policy from a decades-old, Allstate-backed carrier
You will never rent the van

The Bottom Line

Good Sam and Roamly serve overlapping but different audiences. Good Sam is the stronger option for well-equipped factory and custom Class Bs outside California, especially when the owner is already in the Good Sam ecosystem and can stack discounts. Roamly is the stronger option for DIY builds without full bathrooms, California-garaged vans, rental hosts, and single-vehicle households.

If both carriers are available for your build, get quotes from both. Compare the settlement options (agreed value terms, not just premium), the discount stack, and the specific coverage language. The cheapest premium is not necessarily the best policy.

How to Get Quotes

Roamly: roamly.com — online-first quote process
Good Sam: goodsam.com/insurance — online or phone

Roamly Insurance Review — full product analysis
Good Sam Insurance Review — full product analysis
Best Insurance for Van Conversions — all carriers compared
What Happens If Your Van Is Totaled — why settlement type matters
Roamly vs Progressive — the other key comparison
DIY Van Conversion Insurance — step-by-step guide
Insurance overview — the complete guide

Sources and Verification

National General Countrywide RV and Motorhome Underwriting & Product Guide (PDF, rev. 02/2026) — Eligibility rules, CA exclusion, 7 required features, settlement options, discount structure, rental exclusion, single-vehicle restriction
Roamly — How to Insure a Self-Built Campervan — DIY requirements, pricing range, motorhome definition update
Roamly — About — Underwriting partners, Outdoorsy relationship
Good Sam Enterprises — Corporate identity, membership, service lines

All coverage details reflect published materials as of April 2026. Individual quotes, coverage availability, and terms vary by state, vehicle, and driver profile. Get direct quotes before making coverage decisions.