The Van Guide
Insurance · Comparison

Good Sam vs State Farm for Van Conversion Insurance (2026 Comparison)

Good Sam vs. State Farm for van conversion insurance: eligibility, settlement options, California coverage, pricing, and which fits your build.

The Van Guide

Good Sam and State Farm represent opposite approaches to van conversion insurance. Good Sam is a structured RV insurance product — National General policies sold through the Camping World ecosystem, with a published underwriting guide, defined requirements, and four settlement options including agreed value. State Farm has no published van conversion product at all, but its agent network sometimes writes converted vans using internal classification tools and custom equipment riders.

The comparison comes down to coverage depth versus accessibility. Good Sam offers more coverage features for qualifying builds. State Farm is more likely to write a build that does not meet Good Sam’s strict requirements. Understanding both carriers’ limitations will determine which one is worth pursuing for your situation.

Quick Comparison

Good Sam (National General)State Farm
Published van conversion product?Yes — underwriting guideNo — agent-dependent
Covers DIY builds?Yes — 7 features requiredAgent-dependent — 4 of 6 criteria
Build requirementsAll 7 features (cooking, fridge, sleeping, HVAC, water, 110V, indoor plumbing)4 of 6 features (cooking, fridge, toilet, HVAC, water, 110V)
California Class B?NoYes
Agreed value?Yes — up to $300,000No — custom equipment rider covers material costs
Rental coverage?NoNo
Full-time coverage?Yes — Full-Timer Protection PlanAgent-dependent
Multi-policy bundling?Yes — Good Sam ecosystemYes — State Farm auto/home
Single vehicle only?Not eligibleEligible, but RV rates may not apply
Quoting processPhone-based, structuredPhone to local agent, unstructured

Eligibility: Very Different Requirements

Build Requirements

Good Sam / National General requires all seven features: cooking, refrigeration, sleeping, HVAC, drinkable water, 110-125V electrical, and bathroom facilities with indoor plumbing. All must be permanently installed. The indoor plumbing requirement is the strictest in the market and disqualifies many DIY builds.

State Farm uses a “4 of 6” classification (based on consistent owner reports): cooking, refrigerator, toilet, HVAC, potable water, and 110V power. Meeting four of the six qualifies the van for motorhome rates. This is significantly more flexible than Good Sam’s all-seven requirement.

A van with a cooktop, fridge, bed, and 110V electrical — but no HVAC and no water system — would fail Good Sam’s test entirely but could pass State Farm’s four-of-six threshold. Good Sam has the highest build requirement of any carrier in this market.

California

Good Sam / National General does not write Class B van conversions in California. The underwriting guide explicitly states: “Class B motorhomes (van conversions) — Not eligible in California.” This eliminates Good Sam for the significant van conversion population in Los Angeles, San Diego, the Bay Area, and Southern California.

State Farm writes in California. Multiple owner reports confirm State Farm agents in California have written van conversion policies.

Single-Vehicle Restriction

Good Sam / National General requires the RV to not be the only vehicle in the household. If you sold your daily driver and the van is your only vehicle, Good Sam is not an option.

State Farm does not formally exclude single-vehicle households, but underwriting may reclassify the van from RV rates to “private passenger” rates. One owner on Sprinter-Source reported their premium more than doubled when the van was the only vehicle on the policy.

Settlement Options: Good Sam’s Strongest Advantage

This is where Good Sam pulls ahead of every carrier except Roamly.

Good Sam / National General offers four settlement options:

  • Agreed Value — policyholder and carrier agree on value at binding. Paid at total loss without depreciation. Up to $300,000 with underwriting review.
  • Total Loss Replacement — new-for-old replacement for the first five model years.
  • Purchase Price Guarantee — pays up to the original purchase price.
  • Actual Cash Value Plus — pays up to 20% above ACV.

State Farm does not offer agreed value or formal RV settlement options. When an agent writes a converted van using the Customization Report form, the custom equipment rider covers documented material costs only. One owner reported adding $28,000 of custom equipment coverage. However, State Farm covers materials only — not labor. A $60,000 build with $25,000 in materials and $35,000 in professional labor or skilled owner labor would be significantly undervalued by State Farm’s approach.

What this means: For a high-value custom build, Good Sam’s agreed value option is the single most important coverage feature in the comparison. If the van is totaled, the difference between agreed value and a material-cost-only rider could be tens of thousands of dollars. See What Happens If Your Van Is Totaled for the full analysis.

Coverage Features Compared

Unique to Good Sam / National General

  • Agreed value — the most important feature for custom builds
  • Total Loss Replacement — new-for-old for units in the first five model years
  • Purchase Price Guarantee — pays up to original purchase price
  • ACV Plus — 20% above ACV at total loss
  • Personal belongings — up to $30,000 at original replacement cost
  • Vacation liability — up to $300,000
  • Suspendable storage coverage — reduce premiums during storage
  • Published Full-Timer Protection Plan — established product with documented terms

Unique to State Farm (When Available)

  • Lower build threshold — 4 of 6 features vs. 7 of 7
  • California availability — Good Sam excluded
  • Custom equipment rider — adds documented material costs to base vehicle value
  • Retitle flexibility — some agents write coverage without requiring motorhome title first
  • Local agent relationship — single contact for the policy lifecycle
  • No single-vehicle exclusion — eligible even as the only vehicle (at higher rates)

Comparable at Both

  • Liability, comprehensive, and collision
  • Roadside assistance
  • Multi-policy bundling
  • Emergency expense coverage

Pricing

Good Sam / National General does not publish specific rates. Coverage generally falls within the $500-$1,600/year range for recreational use, competitive in the middle of the market. The product’s value is in coverage depth (especially agreed value), not in being the low-price leader. Discount stacking through Good Sam membership, roadside, and extended warranty enrollment can reduce premiums meaningfully.

State Farm does not publish RV pricing either. Owner reports show roughly $400 to $720/year for recreational use as a second vehicle. The custom equipment rider adds $50-$300/year. Multi-policy discounts of 10-20% apply when bundled with auto and home.

The pricing comparison is misleading without considering coverage. A State Farm policy at $600/year with ACV plus a material-cost rider is not the same product as a Good Sam policy at $900/year with agreed value at $80,000. The Good Sam policy could pay $30,000+ more at total loss. Compare the total cost of coverage, not the premium number.

Full-Time Coverage

Good Sam / National General has one of the most established full-timer’s products in the market. The Full-Timer Protection Plan adds personal liability, increased personal property limits, medical payments, and additional living expense coverage. Minimum BI/PD limits are 50/100 on Full-Timer policies. However, the single-vehicle restriction still applies — if the van is your only vehicle, Good Sam will not write the Full-Timer policy regardless.

State Farm can sometimes write full-time coverage, but it is agent-dependent. Most State Farm agents do not have experience writing full-timer’s RV policies for converted vans. If full-time coverage is a priority, Good Sam’s documented product is the more reliable path — assuming the build meets all seven requirements and the van is not the only vehicle.

Discount Ecosystems

Both carriers have discount advantages, but they work differently.

Good Sam’s discount stack combines: Good Sam membership, roadside service enrollment, extended warranty enrollment, RV association membership, plus standard discounts (homeowner, enclosed garage, multi-policy, military/EMS, paid in full). All defined in the underwriting guide. For owners already in the Camping World ecosystem, these discounts compound.

State Farm’s discount advantage is simpler: multi-policy bundling with auto and home. State Farm’s multi-policy discount structure is one of the largest in the industry, and consolidating all insurance with a single State Farm agent produces meaningful savings — typically 10-20% on the RV/van policy.

Who Should Choose Good Sam

  • Your build has all seven required features including a real bathroom with indoor plumbing
  • You are outside California
  • You need agreed value to protect a high-value custom build
  • You already use Good Sam membership, roadside, or warranties (discount stacking)
  • You have a second vehicle (the van is not your only car)
  • You want a documented RV insurance product with decades of claims history
  • Full-time coverage is a priority and you want a proven product

Who Should Choose State Farm

  • Your build meets 4 of 6 features but not Good Sam’s 7 of 7
  • You are in California (Good Sam excluded)
  • You already have State Farm auto/home and the bundling discount is significant
  • The van is your only vehicle (Good Sam excluded, though State Farm rates may increase)
  • You have found a knowledgeable local agent willing to write the van
  • You are comfortable with an agent-dependent process
  • You do not need agreed value (your build value is modest enough that ACV is acceptable)

When Neither Is the Best Option

If your build does not meet either carrier’s requirements, Roamly has the most flexible build threshold in the market.

If you need agreed value coverage but cannot qualify at Good Sam, Roamly also offers agreed value with more flexible eligibility.

If you plan to rent the van, neither Good Sam nor State Farm covers rental use. Roamly is the only major option for rental coverage.

The Bottom Line

Good Sam is the stronger product when you qualify. Agreed value, four settlement options, published underwriting, decades of RV-specific claims history, and a discount ecosystem that rewards existing customers. State Farm is the more accessible option when Good Sam’s requirements eliminate you — California location, no bathroom, single-vehicle household, or a build that does not meet all seven features.

If your build qualifies at Good Sam, get the Good Sam quote. If it does not, try State Farm. If both are options, compare the total cost of coverage including settlement options, not just the premium.

How to Get Quotes

Sources and Verification

All coverage details reflect published materials and owner reports as of April 2026. State Farm coverage varies by agent and is not guaranteed. Individual quotes vary by state, vehicle, and driver profile. Get direct quotes before making coverage decisions.