National General RV Insurance Reviews

My experience with this RV insurance claim has honestly been extremely disappointing. Our RV has been immobilized since January 2026 following a documented incident involving low tree branches impacting the roof and skylight area. The skylight damage itself was initially acknowledged as consistent with a collision-related event, yet the handling of the overall claim has become increasingly confusing and frustrating over time. Over the past several months:

My experience with National General has been very poor. I do not have coverage with National General, but as the injured party with a total loss due to one of their drivers, I will say that they have been very unresponsive and difficult to reach. The claim for the total loss of my vehicle took 3 months to finally settle, and when they did send a check, it was for the wrong amount which started the process over. The Medical portion is still not resolved, and it has been nearly 7 months. Major complaints:

I have been a premium paying customer with Good Sam National General since 2009. Made 2 claims... Both denied. We bought a 2016 Heartland Torque Toy Hauler from original owner in February 2021... Their insurance replaced the roof in 2020. My RV repairman pointed out to us in early 2023 that the air conditioner was falling through the roof... Roof was not properly repaired. National General said it was pre existing damage & they wouldn't cover. Cost us $12,000.00 out of pocket to replace/repair the roof. On June 21, 2025 while in Kansas we were in a terrible wind storm & a 18 wheeler passed us on a 2 way road going extremely fast & when it passed us it sounded as if it had hit us even though it didn't.

Absolutely horrible company. They always tried to bill me additional charges even though I paid in full for six months. Total joke of a company! I would never recommend them to anyone, not even someone I disliked, because I would like this company to fail.

I will never use these guys for insurance again. BE AWARE THEY CHARGE A $50.00 FEE TO CANCEL YOUR INSURANCE. Rude, the staff don't care. You never hear from any, never return calls, only want your money.

In my opinion these guys are slimeballs, horrible customer service! They do not disclose anything when speaking on the phone! They charged a 50 dollar cancelation fee, which no other insurance company has done! Do not buy or use their insurance!

The Worst insurance ever, they have very rude customer service. I would not recommend this insurance company for anyone. If they treat veterans like this I can't imagine how they treat Civilians. Never again. It will be USAA insurance from now own.

This company is an affiliation with Good Sam RV insurance Company and as such an underwriter. We have had an absolutely horrible time with this company. They have drawn out our claim on a fire that destroyed our RV primary home. They have done their best to press us to drop the claim, because of sure frustration in reliving the worst day of our lives. They really do not care. They have very little integrity and very little sense of urgency with our losing our home. It is hard to keep on going with their treatment and customer service. I am ashamed of having to deal with them. As a Combat Veteran and a member of multiple Veteran Service Organizations, I will do my best to inform the Veteran community of their actions and get this company placed on the black list for dealing with Active Duty, Retirees and Veterans. They are disgraceful. Please take your business to a more honorable provider. Please.

BEWARE! AVOID.... AVOID.... AVOID!! National General denied our claim based on inaccurate information and then they made things up in order to justify their denial. They were going to pay our claim (the first adjustor asked me to take pictures of everything, make an itemized list that included prices we paid for the items and then he said he would let us know what they will pay for our loss). Then, another adjustor took over and FIVE months later, our claim was denied which we were not expecting at all. National General said it was "MOST LIKELY" due to wear and tear.... (This is on a $90,000, 3 year old RV that was in excellent like new condition.) Our claim was wrongfully denied and National General is sticking to their version of the story and have completely disregarded the facts.

National General RV (an Allstate company) sent us our policy renewal with a 40% increase ($1000 to $1400). Our RV has been insured with them since 2019, we have no new accidents and no policy changes. I called the company and was told "it's the cost of doing business you your state" however none of our other policy with other company has such a steep increase. To top it off I asked if I could cancel my policy (after it was paid in full) and I was told there is a 10% cancellation fee. This is by far the worst customer service I've ever experienced, the agent had no explanation for any of my questions and offered little to no help just "you can call this other 800 number and ask for way to save on your policy" which I take as "buy more stuff from us". Thankfully we never had a claim with this company, I can only imagine how bad that would go. Stay far away from this company.

We had Nat Gen through Good Sam for our truck, motorcycle and RV. We filed a claim when someone damaged our rig and they were no help at all. Although we owned it and had paid insurance on it for 2 weeks, a third party company drove it to us. They damaged it and Nat Gen refused to pay because they said it wasn't yet in our possession. Why were we paying them then??? When I cancelled, they charged me 10% of my premium as a penalty!!! We have switched insurance before and never had anyone charge us. In this case we cancelled because they were awful (not to mention overpriced). They proved at cancellation just how right we were and how awful they are!!! Save yourself grief and money and go to Geico. I wish I had never left them to begin with!!!!

National General is newly purchased by State Farm and is now a subsidiary of that company. Anyway approached State Farm for my insurance needs. I was told they would cover my home and autos and National General would cover my RV. I signed a month prior to the effective date. I was given a full annual premium of $460 which I paid at signing. I did not see in the documentation that there was unexplained "Additional Charges" of $60 that was included in the premium. After the effective date I downloaded the declarations page and saw that the Additional Charges now had the description of an Acquisition Charge.

Updated on 11/16/2020: Following up: Good Sam/National General Insurance has been in touch with us and still no help from them. I told them if they couldn't meet me even part of the way then don't waste my time or their time. They keep saying long term water damage and I keep saying if I had long term water damage I would have put in a claim years ago. I had their insurance from day one. Been in our RV for almost 3 years. If we had water I would have done something sooner. I am trying to make it very clear, DO NOT USE this company for insurance. There are other companies that I now know about that will take care of your needs unlike National General.

Had extensive damage to 400K Monaco and filed a claim with National General. After weeks of waiting we were told it was all our fault and due to our negligence allowing deterioration. We had lots of work done on the coach and the technicians never noticed the damage before the incident requiring the claim. Contacted our attorney and was told that Case Law precedent was the reason our claim was denied. We paid thousands in premium and are left with no relief or satisfaction. Our take away: never deal with this or any RV insurance company without doing your homework first. Would have given a 0 if it was available.

We purchased National General Insurance 2 and a half years ago for our new CLASS A Motor home. All good until we needed them. Our Motor home refrigerator caught on fire at an RV park and was completely destroyed. We were over 200 miles away from home. When we called National General phone number to report the claim, the representative took all the information, but that was it!

Had hail damage on my airstream travel trailer. Went to one of the largest airstream dealers in the nation for a repair quote. After a very frustrating negotiation with the claims adjuster, they finally paid out approximately 75% of the repair quote. Note that I bought this policy through Good Sam.

I had National Insurance for my motorhome for 2 years with no problems until it was time to file a claim. This summer dust devil hit our RV while traveling through the desert on I-10. It tore the driver wheel well fender off. They repeatedly refused the claim stating they didn't believe this could happen. Also, that I could not prove there was a windstorm therefore the damage was due to deterioration. They constantly placed the responsibility on me to prove the claim rather on them to disprove the claim. I will NEVER deal with this company again!

I had a minor incident where I backed into a post with my RV causing minor damage. With no prior claims in 5 years, my $500 deductible was reduced to $200. But my rates increased by $292 for National General to recover the vanishing deductible. Nice. Beware.

On June 14th, 2019, coming home to NC from CO, we were involved in an accident on I-70 in MO with a FedEx truck who's driver admittedly fell asleep at the wheel. My RV and towed car were both disabled. NGIC advised us it would be 2 weeks until an adjuster could come look at the vehicles, and then we'd have to get 3 estimates and then get in queue for repairs. FedEx blew us off repeatedly and said this happens all the time, and to collect from our insurance and have them come after FedEx. We were stranded in Columbia MO. FedEx wouldn't help. NGIC wouldn't help. They said to pay out of pocket and turn in receipts for hotels etc. AND that there is a $700 limit on stranded reimbursements. My son, a disabled 3 tour Army war vet, his wife, and their autistic son were traveling with me.

We purchased a camper at Gander Mountain RV and the dealership had us get on the phone with this insurance company (a.k.a. Good Sam), same company the dealer offers membership to. We purchased the insurance policy to allow us to get the camper on the road. The quote was extremely high but especially because it was for the camper only and not to include the truck that pulls it which is with different insurance company. We cancelled this policy exactly 30 days to the date. Now this company wants an extra month premium as well as a bogus late fee. Please see all docs attached. I have never experienced this type of scam by an insurance company in my life. People need to be made aware of this because we were not told of the added charges prior to them charging our credit card. Our monthly payment was $71.86 and that’s exactly how long we had this insurance for. Now they want $96.46.

I got an RV insurance from National General Insurance and it was $20 cheaper than my previous provider. I did it all online when I submitted a claim and it was fairly easy but I had a hard time printing the documentation from my loan provider. Nevertheless, the amount of coverage provided by 2-10 was adequate. I went for what was required by my loan provider.

I have a little RV and I use it for school. I bought a travel trailer that sits at a dealer and it doesn’t really need insurance since I’m not driving it and taking it anywhere. The insurance guy wouldn’t insure just the van. It had to be both and he got kinda crosswise with me. I hung up the phone and called somebody else. I went online and asked who the best insurance company is and I signed up with National General RV Insurance. They put me on a monthly automatic draft so, that’s all good.

My experience with National General is very good. I do everything online and I like the coverage of my insurance.

I’d recommend National General. Before them, I had Progressive. National General’s prices were lower and they allowed me to pay monthly whereas Progressive made me pay the whole 12-month policy upfront. National General has fair prices and their website is easy to use. Their payment options are compatible and they have a lot of different payment options which is nice. Their coverage fits my needs.

Took money out of Bank Account! I recently shopped for new RV Insurance. I used Good Sam to compare several policies, and the policy from National General RV Insurance was the cheapest available. I paid for a full year of coverage and received my package in the Mail. Unfortunately, the agent failed to inform me that I still needed to fill out a form to decline the UM and PIP. I have lived in FL for 18 years and have never had to fill out a form to decline this coverage.

We just signed up with National General and everything was great. Most of it was done online and a little bit on the phone, but there wasn't really much done. I went to Good Sam online, filled out the information and a knowledgeable gentleman called me back. We played some tag and then I finally got a hold of him and he processed the order. I'm in the insurance industry myself so I'm familiar with coverage and liability and I picked the maximum amount. I would definitely use them again.

National General has a good price and I like the amount of coverage it offers. It's good. I got an RV insurance, dealt with everything on the internet and paid my bill.

I'm brand-new with National General. I got an RV insurance and they offer a downtime when the motorhome is not being used. The representative I’ve talked to, George, was really good. He was polite and he was easy to deal with. I did have an issue though. After I signed up for the insurance, when I went online and checked out my account, they were charging me an additional $90 that George and I had discussed that shouldn’t have been on there. And what I had to do is, I had to send them a copy of my previous insurance in order for them to take that off. I haven’t checked it recently, so hopefully they’ve removed that extra charge. Everything was good except for that fact. That was a surprise.

Most of the other providers including USAA do every other month payment and I wanted a monthly payment so I went with National General. I had spoken to one gentleman on the phone a couple of months ago when I was still looking for an RV. When I tried to get back in touch with him, I was unable to so everything was done online at that point. I changed the RV that I was looking at to a different one, and I did it all online. The website is very easy to use. Even a dumb truck driver like me can do it.

So far, working with National General's reps has been good. However, I didn't check all the way with my primary insurance after I got my policy with them. I could have gotten the same policy with total replacement coverage for a little cheaper. Also, National General checks all the boxes. They offer coverages if you wanna pay more for extra packages. It'd be nicer if they had one that was just standard roadside service and towing instead of having much add-ons. Still, we're really excited as it'll be our first trip out with our vehicle and we're ready.

I got a plan from National General RV Insurance. My insurance plan's coverage is great, and it is super affordable too.

When I asked National General for a quote online, it was way high, so I didn’t like it. Then they contacted me and their rep set up a new quote. I liked it so I went ahead and purchased the warranty for my RV. They had a good price and coverage.

My experience with National General has been wonderful. I have a car and an RV insurance with them, and the amount of coverage provided is what was expected. I got what I paid for. When I get pulled over, I don’t feel like I’m gonna go to jail. And I have it on my phone, so if I can’t find the paperwork in my car, I can show it to them on my phone. So, that’s another plus. Also, my interactions with the customer service representatives has been great. The latest saleslady that I talked to on the phone was amazing. They need to give her a raise. We were laughing, and she’s a hoot.

We obtained insurance for our RV through National General Insurance. Other providers were extremely expensive, while National General had the best rates. The amount of coverage provided to us was comparable to everything else that we quoted and was a cheaper plan that covered the exact same thing. Everything was very similar to Progressive or any of the other insurance companies that we quoted. Our experience with National General has been good so far. It was really easy to get somebody on the line. Anytime we've called them with any questions or needed some information during our initial process, they were more than happy to give it. And anytime we had a question, we called them and we were directed to the correct person and could get our question answered.

Enrolling with National General was great and this is my first month with them. They're also the first insurance provider that I worked with for my RV and so far, my experience with them has been great. The amount of coverage of the insurance plan is good and It's what I needed.

I've set up with National General RV Insurance online, and it was easy to navigate. Their rates were a tad lower than other insurance providers and the coverage that they provide is what we needed. And setting up with them didn't take long at all, maybe 20 minutes.

I went online and got National General Insurance for my RV. Their website was very nice and the amount I paid was reasonable. I've been with National General before but this time around, I'm not going through Good Sam Club. Everything I've experienced so far is good and I'm happy.

I was with Allstate and I had a claim with the RV, but they wouldn’t insure it so I had to find another insurance company. I had great and fantastic interactions with the reps at National General so I switched to them. I haven’t used the insurance plan yet, but the coverage is good, so far.

The National General insurance is a little more expensive compared to my previous provider. But I like the concept of being able to put it on hold while you’re not using your RV. I had very good interactions with their reps and the amount of coverage provided in my insurance plan is very acceptable. I’m satisfied with them.

Based on the online reviews, I decided to go with National General RV Insurance. The amount of coverage provided in my plan is fine. I’ve dealt with strictly one person and she was fantastic. The details that she gave me was very thorough.