A major difference to consider: if your truck breaks down and needs a tow, what happens to your trailer? Good Sam will tow both. Will your truck insurance tow the trailer? I wouldn't want to leave our Landmark sitting on the side of the road in the middle of nowhere.
In our case it is, because everything is covered with the same company House, cars, TV, 5th wheel, property, buildings, health, life. Did I leave anything out??? LOL Group coverage through Alabama Farm Bureau. It is a reimbursement coverage on towing and road side assistance and there are limits on the amount per occurance. So, there are some cases where we could be out of pocket if we were out in the middle of nowhere. But at the same time, you need to remember that Good Sams will only tow you to the nearest repair facility, which might not be the facility that I want to go to. There are risks with everything in life, for us we've been ahead of the game for several years now, so even in the event of a costly tow for repair, we would still be even.
Also the last time I used the Good Sam program. I sat on the side of the road for 4 hours waiting on a repair service that they brought from 150 miles away. It was even worse because I could see a tire store sign just down the road from me that had the tire I needed (because I walked down and checked), but Good Sam did not have an agreement with them. In hindsight it would have been cheaper had I paid for the tire and road service, and let my insurance company reimburse me for the service portion.