The Van Guide
Insurance · Comparison

Roamly vs National General for Van Conversion Insurance (2026 Comparison)

Roamly vs. National General for van conversion insurance: eligibility, agreed value, rental coverage, California availability, and which fits your build.

The Van Guide

Roamly and National General are more connected than most van owners realize. Roamly is an insurance agency that places policies through multiple underwriters — and National General is one of them. National General also underwrites all Good Sam RV insurance policies. It is entirely possible to end up with a National General policy whether you buy through Roamly, through Good Sam, or through another agency.

The comparison here is not really Roamly the carrier versus National General the carrier. It is Roamly the agency (with its flexible intake process and multiple carrier options) versus National General’s direct product (sold through Good Sam, with its specific underwriting requirements). The difference is in eligibility, build requirements, and which product features are available through each channel.

If you are looking for the Roamly vs Good Sam comparison (the most common way people frame this), see Roamly vs Good Sam. This page focuses on the underwriting and product-level differences between Roamly’s agency model and National General’s direct RV product.

Quick Comparison

RoamlyNational General (via Good Sam)
What it isSpecialty insurance agency, multiple underwritersInsurance carrier (Allstate subsidiary), sold through Good Sam
Covers DIY builds?Yes — core productYes — 7 features required
Toilet/plumbing required?NoYes — indoor plumbing required
California Class B?YesNo
Agreed value?YesYes — up to $300,000
Rental coverage?Yes — supports peer-to-peer rentalNo — rental voids policy
Full-time coverage?Yes (confirm with placed carrier)Yes — Full-Timer Protection Plan
Single vehicle only?Not restrictedNot eligible
Bundling discounts?NoYes — Good Sam ecosystem
Published price range$500–$1,600/yearNot published; consistent with $500–$1,600 range

The Underwriter Connection

Here is the nuance that makes this comparison unusual: Roamly lists National General as one of its underwriting partners. That means when you get a quote through Roamly, the policy might actually be underwritten by National General — the same carrier behind Good Sam.

The difference is in the product channel and the eligibility rules applied:

  • Through Good Sam: National General applies its Countrywide RV Underwriting Guide — all seven features required, no California Class B, no single-vehicle households, no rental use.
  • Through Roamly: The agency may place with National General or with a different underwriter depending on your build, state, and situation. Roamly’s intake process is designed to route non-standard builds to whichever carrier has the best fit.

This means Roamly can sometimes get a van covered by a National General policy that the same owner could not get through Good Sam directly, because Roamly’s agency model gives it flexibility in how the risk is presented and placed.

Build Requirements

National General (through Good Sam) requires all seven features:

  1. Cooking facilities
  2. Refrigeration
  3. Sleeping quarters
  4. Bathroom with indoor plumbing
  5. Self-contained HVAC
  6. Drinking water supply
  7. 110-125V electrical system

Roamly requires permanently installed sleeping and cooking. The threshold is lower, and Roamly has publicly stated it “updated [its] definition of what constitutes a motorhome to better serve the growing DIY conversion van movement.”

The bathroom requirement is the critical divide. A van with a composting toilet, a portable toilet, or no toilet at all qualifies through Roamly but not through National General’s Good Sam product. This single requirement eliminates a large share of otherwise well-built conversions from National General eligibility.

California

Roamly writes Class B van conversions in California. No state exclusion.

National General does not. The underwriting guide explicitly excludes Class B van conversions in California. For the van conversion population in Los Angeles, San Diego, the Bay Area, and the Central Coast, National General’s Good Sam product is not an option.

Settlement Options

Both carriers offer agreed value, which is the settlement option that matters most for custom van conversions.

National General offers four settlement options:

  • Agreed Value — up to $300,000, underwriting review required for “highly customized units”
  • Total Loss Replacement — new-for-old for the first five model years
  • Purchase Price Guarantee — pays up to original purchase price
  • ACV Plus — pays up to 20% above ACV

Roamly offers agreed value through its placed carriers. The specific terms depend on which underwriting partner handles the policy, but agreed value is a core product feature that Roamly emphasizes.

What this means: For agreed value specifically, both channels can provide it. National General’s advantage is the additional settlement options (TLR, Purchase Price Guarantee, ACV Plus) for situations where agreed value is not the best fit. Roamly’s advantage is that agreed value is available even for builds that would not qualify at National General through Good Sam.

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.

National General lists “vehicles leased or rented to others” as an unacceptable risk in the underwriting guide. Listing the van on any rental platform while covered by a National General policy creates a coverage gap.

If rental is part of your plan — even occasionally — National General’s Good Sam product is the wrong policy.

Single-Vehicle Restriction

National General requires the RV to not be the only vehicle in the household. If the van is your sole vehicle, you are not eligible.

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

Discounts and Ecosystem

National General (through Good Sam) offers a deep discount stack: Good Sam membership, roadside enrollment, extended warranty, RV association, homeowner, military/EMS, paid in full, and others. These are defined in the underwriting guide and can meaningfully reduce premiums for owners already in the Camping World ecosystem.

Roamly does not offer bundling or ecosystem discounts. Pricing is competitive on its own merits, but there is no multi-policy or membership discount stack.

Full-Time Coverage

National General offers a Full-Timer Protection Plan with personal liability, increased personal property limits, and medical payments. One of the most established full-timer’s products in the market. However, the single-vehicle restriction still applies.

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

Who Should Choose Roamly

  • Your build does not have indoor plumbing or a full bathroom
  • Your van is garaged in California
  • You rent or plan to rent the van on peer-to-peer platforms
  • The van is your only vehicle
  • You want flexible eligibility with agreed value protection
  • You want an online-first quoting process designed for non-standard builds

Who Should Choose National General (via Good Sam)

  • Your build has all seven required features including indoor plumbing
  • You are outside California
  • You already use Good Sam for roadside, warranties, or membership (discount stacking)
  • You have a second vehicle
  • You want multiple settlement options beyond agreed value
  • You want a policy backed by decades of RV-specific claims history (Allstate subsidiary)
  • You will never rent the van

The Bottom Line

Roamly is the more accessible option. It accepts builds that National General rejects, writes in California, covers rental use, and does not exclude single-vehicle households. National General (through Good Sam) is the deeper product for builds that qualify — four settlement options, a proven discount ecosystem, and decades of RV claims experience.

The irony of this comparison is that Roamly may place your policy with National General anyway. The difference is that Roamly’s agency model gives it the flexibility to route your risk appropriately, while buying direct through Good Sam locks you into National General’s published underwriting requirements. If you qualify at Good Sam, get both quotes and compare. If you do not qualify at Good Sam, Roamly is the starting point.

How to Get Quotes

Sources and Verification

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.