Correct on the resale issue. I replied to a Good Sam ad some years ago, and their cost was almost half of my Allstate policy. The stated reason is that RV'ers have a good record so the premiums can stay relatively low. At this time, the re insurer was GMAC. Since the GM bankruptcy, this has changed to National General.
In 2009, a car sideswiped our motorhome and car trailer as we approached a lane closure. He claimed I moved over, which I did to avoid the closed lane, and I saw in my mirror what appeared to be plenty of room had he been driving at the speed limit. I claimed he hit me while trying to squeeze between my vehicle and the concrete barrier on the left (while driving at my estimate of 85-90 MPH). National General went to bat for me, but lost under outside arbitration. My National General insurance never had a big increase from this episode, so I continue using them to this day.
Originally Posted by Gary RVRoamer
"Good Sam" isn't your insurer anyway - they just sell the policy. You will be dealing with another company, I think maybe National General.
Most major insurers offer RV-specific policies these days, so that stuff from GS warning you against non-RV insurers is just salesl hype.