---
bcp_version: "1.1.1"
file_type: values
parent: https://registry.encodedbrands.ai/roamly-73efb104/.well-known/brand.md
last_updated: "2026-10-30"
---

# Values

**Status: inferred, not declared.** Roamly does not publish a formal values statement. This list is assembled from value-like claims Roamly makes on roamly.com (crawled 2026-10-30): the recurring "We live this / Experts / We connect the dots / Claims and savings / We're on the level" band and the "So what's the big deal?" list on About. Quotes are exact. The labels and the "In practice" notes are Encoded Brands inferences.

## Origin (stated)

> "We started Roamly because traditional insurance didn't get the adventure lifestyle." (https://www.roamly.com/about)

About traces the company to its parent Outdoorsy (2015, an RV rental marketplace), with Roamly founded in 2019: "Roamly was born to solve what others couldn't (or wouldn't)."

## 1. We live this

> "We live this. ... We cover this lifestyle because it is our lifestyle." (https://www.roamly.com/)
> "Blown tires in the middle of nowhere, mountain passes in an RV, cross-country on a bike – we`ve been there. We design coverage for problems we`ve lived through." (https://www.roamly.com/about)

Also: "Our team is made up of the very people we serve: RVers, motorcyclists, and outdoor enthusiasts." (https://www.roamly.com/careers). Product pages repeat it per vertical: "We actually ride.", "We actually boat."

In practice (inference): copy proves this with lived detail (a dead battery in Moab, a squall, stuck in the mud at 2 AM) and with named agents speaking in first person. Don't claim lived experience you can't attribute to a real, named person on the site.

## 2. On the level (honesty and straight talk)

> "We're on the level. We built Roamly on trust. And that's not just us saying it." (https://www.roamly.com/)
> "Straight talk, no BS. We built Roamly on trust, not fine print." (https://www.roamly.com/insurance/personal/motorcycle)
> "Honest answer? It depends. Every situation's different, and we can't make promises we might not keep." (https://www.roamly.com/claims)

Careers adds: "use straight talk (not jargon), and believe that trust is something you have to earn." (https://www.roamly.com/careers)

In practice (inference): back trust with outside proof (Trustpilot rating, "Celent Model Insurer" 2025, "Lloyds of London Approved Coverholder" on /about) rather than self-praise. State limits and exceptions plainly ("This policy does not provide coverage for any kind of food or package delivery.", /insurance/commercial/rideshare).

## 3. The best plan, even if it's not us

> "We'll find you the best plan – even if it's not us." (https://www.roamly.com/)
> "Roamly offers the best possible recreational insurance whether it's a policy with us or one of our trusted partners." (https://www.roamly.com/)
> "Think of us as your advocate, not another company trying to sell you their one policy." (https://www.roamly.com/insurance/personal/boat)

In practice (inference): Roamly is an agency and broker as well as a product builder ("Both. We offer our policies or connect you with others.", /insurance/personal/rv). Copy should not imply that every policy is Roamly's own; the footer names the underwriting carriers. The claims FAQ points users on other carriers' policies to "call them directly".

## 4. We stick around after you buy

> "We stick around after you buy. Breakdown in Yellowstone? Payment question at midnight? We're here when things get complicated—not just when you're buying." (https://www.roamly.com/)
> "Forget call centers. When things go sideways, you're talking to experts who understand your vehicle." (https://www.roamly.com/about)

In practice (inference): service and claims pages give real channels and hours ("(877) 725-1245, Monday through Friday, 9am to 5pm Central", /claims). Don't promise availability the site doesn't state. 24/7 applies to specific products such as roadside assistance and the claim status tracker, not to the claims phone line.

## 5. Coverage for everyone and everything

> "Coverage for everyone and everything. Weekend warriors, full-timers, DIY van builders, motorcycle fanatics, boat captains – we'll find you the right coverage." (https://www.roamly.com/about)
> "We found the gaps in recreational coverage and specifically built products that cover what others can't. Outdoorsy hosting? Van conversions? Full-timing? We've got you." (https://www.roamly.com/)

In practice (inference): the brand's argument is closing gaps other insurers leave, such as rental use, custom builds, full-time living, track days and carshare downtime. "Everyone" is a stance, not a guarantee. Availability varies by state and product (for example, jewelry is "available in all U.S. states except New York, Kentucky and Alaska").

## Related stated stance: your vehicle, your call

> "No rental restrictions. Want to rent out your RV? Good for you. Your vehicle is your business. Literally." (https://www.roamly.com/about)

This follows from the Outdoorsy origin. Roamly treats owners who rent out their vehicles as normal customers, not as exceptions.

## Resolving conflicts (inference, for agent judgement)

1. Accuracy and legal disclosure come before attitude. If a joke or a "No surprises" line conflicts with a limit, exclusion or jurisdiction note, the limit wins (On the level).
2. Recommending the right plan comes before promoting a Roamly product (Best plan, even if it's not us).
3. Lived experience must be real and attributable. When in doubt, use the facts instead of an invented anecdote (We live this).

## Gaps

- No published mission, vision or values page was found; this file is assembled from marketing claims.
- Social channels, investor or press material, and any internal culture documents were not reviewed.