Roamly AI Visibility Market Strategy Report - RV Insurance

Answer Capsule

Roamly holds 62.38% valid recommendation coverage in the October 2026 RV Insurance AI Visibility Market Discovery Index, ranking third among ten tracked brands. The brand is visible but under-recommended relative to its presence: raw mention presence sits at 69.80%, while the top-three recommendation rate is only 19.31% and the rank-one rate is 1.98%. The clearest win is a 19.6-point month-over-month coverage gain from September 2026, the largest single-month move in the tracked series. The clearest weakness is a wide gap between being surfaced and being shortlisted. The biggest opportunity is converting that presence into top-three placement across high-intent RV insurance discovery prompts.

Who This Report Is For

This report is for Roamly's marketing, growth, and brand leadership, and for RV insurance category teams evaluating how AI systems present the brand at the recommendation stage.

Report Card

Executive Summary

Roamly is visible but under-recommended in the October 2026 RV Insurance AI Visibility Market Discovery Index. The brand appeared in 69.80% of qualified AI responses, but converted only 62.38% of those observations into valid recommendation coverage, and only 19.31% into top-three placements. That gap between presence and placement is the defining feature of Roamly's AI visibility position this month.

The brand's recommendation coverage rose 19.6 points from 42.8% in September 2026 to 62.4% in October 2026, the largest single-month move in the tracked series and a significant movement against the July 2026 baseline. Against that baseline of 52.4%, Roamly is up 10.0 points. The rise came primarily through presence rather than placement: raw mention presence moved from 48.9% in September 2026 to 69.8% in October 2026, while the top-three rate moved only from 11.0% to 19.3% and the rank-one rate from 0.4% to 2.0%.

Roamly's strongest cluster is C01, Best RV Insurance Discovery & Evaluation, which is also the only cluster with qualified observations in the October 2026 public benchmark. Within C01, Roamly holds a 19.31% top-three rate, a 1.98% rank-one rate, and an average recommended rank of 4.064. The brand's weakest measured position is first-position placement: at 1.98%, Roamly is far behind Progressive's 81.68% rank-one rate.

The strongest platform signal for Roamly is Perplexity, where the brand holds an 88.24% valid recommendation coverage and a 23.53% top-three rate. The clearest platform gap is Copilot, where Roamly holds a 6.25% top-three rate and a 56.25% valid recommendation coverage on a small sample. Google AI Overviews is the largest single platform by opportunity size and Roamly holds a 32.20% top-three rate there, well behind Progressive's 84.75%.

The brand carries zero negative mentions across all 202 qualified observations, with 127 positive and 14 neutral mentions. That framing quality is a genuine asset. The commercial question is not whether AI systems trust Roamly, but whether they place it in the shortlist when buyers ask which RV insurance option to choose.

What Roamly Is Winning

Questions This Section Answers

• How large was Roamly's month-over-month recommendation coverage gain?
• How does Roamly's sentiment and mention framing compare to tracked competitors?

Roamly's clearest win is momentum. The brand posted the largest single-month recommendation coverage gain in the tracked series, rising 19.6 points from September 2026 to October 2026. Against the July 2026 baseline, the brand is up 10.0 points, a significant movement.

The second win is framing quality. Roamly recorded 127 positive mentions, 14 neutral mentions, and zero negative mentions across 202 qualified observations, producing a net sentiment score of 0.9007. No tracked competitor posted a higher net sentiment score except Good Sam Insurance Agency at 0.9297. AI systems are not framing Roamly negatively.

The third win is platform-specific strength on Perplexity. Roamly holds an 88.24% valid recommendation coverage on Perplexity, the highest of any platform for the brand, and a 23.53% top-three rate. Perplexity is a smaller platform by opportunity size, but the recommendation behavior there is the strongest Roamly signal in the dataset.

The fourth win is top-ten presence. Roamly appears in the top ten recommended options in 61.88% of qualified observations, which means the brand is frequently part of the broader consideration set even when it does not reach the top three.

These are real but narrow wins. Roamly is not winning the recommendation moment at scale. The brand is winning visibility, framing, and momentum, and it is winning them on a smaller platform more than on the largest ones.

Where Roamly Has the Clearest AI Visibility Gaps

Questions This Section Answers

• Why does Roamly's high AI presence fail to convert into top-three placements?
• Which platforms and clusters show the widest recommendation gaps for Roamly?

The clearest gap is recommendation conversion. Roamly appears in 69.80% of qualified AI responses but converts only 62.38% of observations into valid recommendation coverage and only 19.31% into top-three placements. The brand is being surfaced alongside category options far more often than it is being shortlisted.

The second gap is first-position placement. Roamly holds a 1.98% rank-one rate, meaning AI systems name the brand first in fewer than 2 in 100 qualified observations. Progressive holds an 81.68% rank-one rate in the same dataset. Good Sam Insurance Agency holds a 0.99% rank-one rate despite an 84.16% valid recommendation coverage, which shows that even high-coverage brands in this category struggle to reach first position. Roamly's rank-one gap is not unique, but it is severe.

The third gap is top-three displacement. Roamly's 19.31% top-three rate sits behind Progressive at 88.61%, Good Sam Insurance Agency at 51.49%, and National General at 38.12%. The brand is being recommended, but it is being recommended fourth or lower in most cases, with an average recommended rank of 4.064.

The fourth gap is platform concentration. Roamly's strongest platform signal is Perplexity, which carries a smaller share of total opportunity than Google AI Mode or Google AI Overviews. On Google AI Mode, Roamly holds a 10.34% top-three rate and a 48.28% valid recommendation coverage. On Google AI Overviews, the brand holds a 32.20% top-three rate and a 66.10% valid recommendation coverage. Those are the two largest platforms by opportunity size in the dataset, and Roamly's placement there is materially weaker than its Perplexity position.

The fifth gap is cluster coverage. Only C01, Best RV Insurance Discovery & Evaluation, carries qualified observations in the October 2026 public benchmark. C02, RV Insurance Company & Coverage Comparisons, and C03, RV Insurance Pricing, Quotes & Cost Research, recorded zero qualified observations. That means the benchmark cannot yet show how Roamly performs on comparison or pricing prompts, which are typically closer to the purchase decision. The absence of qualified data in those clusters is a measurement gap, not evidence that Roamly is absent from those conversations.

Biggest Opportunity

Questions This Section Answers

• Which platforms offer Roamly the largest opportunity to convert presence into top-three placement?
• What needs to change for AI systems to recommend Roamly as a top RV insurance option?

Roamly's biggest opportunity is converting its presence advantage into top-three placement on Google AI Mode and Google AI Overviews. Those two platforms carry the largest opportunity pools in the dataset, and Roamly's top-three rates there, 10.34% and 32.20% respectively, sit well below the brand's Perplexity top-three rate of 23.53%. The brand is already being surfaced on those platforms at meaningful rates, with 48.28% valid recommendation coverage on Google AI Mode and 66.10% on Google AI Overviews. The gap is not presence. The gap is placement.

Closing that gap means making Roamly easier for AI systems to retrieve and cite as a top option when buyers ask which RV insurance company to choose. That is a prompt, page, and citation problem, not a demand problem. The brand already has the visibility and the framing quality. The next move is to make the recommendation case explicit in the sources AI systems retrieve.

Competitive Landscape

Questions This Section Answers

• Where does Roamly rank against Progressive and other RV insurance brands on top-three and rank-one rates?
• How does Roamly's average recommended rank compare to the leading brands?

Progressive holds dominant recommendation-stage strength in the October 2026 RV Insurance AI Visibility Market Discovery Index, with Good Sam Insurance Agency as the strongest challenger and Roamly as the third-ranked brand by valid recommendation coverage. Roamly sits in the middle of the field on coverage but near the bottom on first-position placement.

Average recommended rank covers rank-eligible recommendations only.

Roamly ranks fourth by top-three rate and fourth by rank-one rate among the ten tracked brands. The brand's top-three rate of 19.31% is less than a quarter of Progressive's 88.61% and less than half of Good Sam Insurance Agency's 51.49%. Roamly's rank-one rate of 1.98% is the second highest in the field, behind only Progressive, which means the brand does reach first position more often than most competitors even though the absolute rate is low. Roamly's average recommended rank of 4.064 is the highest (weakest) among the top five brands by top-three rate, indicating that when Roamly is recommended, it is typically recommended later in the list.

AI Response Inconsistency Alerts

Questions This Section Answers

• What factual conflict did AI platforms report about Roamly's BBB rating?
• Which sources are driving the conflicting BBB narratives across platforms?

One high-severity factual inconsistency was detected for Roamly across two AI platforms. The conflict concerns the brand's Better Business Bureau rating, where AI platforms provided conflicting information about the same underlying fact.

When asked "Is Roamly insurance legit?", ChatGPT stated that the Better Business Bureau lists Roamly as not accredited with a D- rating. In the same question context, Copilot stated that the Better Business Bureau gives Roamly an A+ rating. A company cannot simultaneously hold a D- and an A+ BBB rating, as these are mutually exclusive grades. The two platforms cited different source sets. ChatGPT referenced Roamly's own support page, a Trustpilot review page, and the Better Business Bureau profile page for Roamly. Copilot referenced a TopConsumerReviews page, a ConsumersAdvocate page, and a Trustpilot review page. The TopConsumerReviews source was flagged as supporting the A+ claim, with an excerpt stating that Roamly has an A+ rating from the Better Business Bureau.

This is a high-confidence conflict with a confidence score of 1.0. The practical implication is that a buyer asking a legitimacy question about Roamly may receive a materially different answer depending on which AI platform they use. The conflict is factual, not interpretive, and it concerns a trust signal that sits close to the purchase decision. The source pattern suggests that third-party review and comparison pages are shaping the A+ narrative on Copilot, while the BBB profile page itself is shaping the D- narrative on ChatGPT.

Prompt Evidence

ChatGPT / Best RV Insurance Discovery & Evaluation Prompt: "Who has the best cheapest RV insurance?" Result: Roamly appeared in the response but did not reach a top-three recommendation position, consistent with the brand's 20.00% top-three rate on ChatGPT.

Perplexity / Best RV Insurance Discovery & Evaluation Prompt: "Who has the best rates on RV insurance?" Result: Roamly reached a valid recommendation in the response, consistent with the brand's 88.24% valid recommendation coverage on Perplexity, its strongest platform signal.

Google AI Overviews / Best RV Insurance Discovery & Evaluation Prompt: "Who has the cheapest insurance for RVs?" Result: Roamly appeared in the response but placement was weaker than on Perplexity, consistent with the brand's 32.20% top-three rate on Google AI Overviews.

Copilot / Best RV Insurance Discovery & Evaluation Prompt: "Is Roamly insurance legit?" Result: Copilot stated that the Better Business Bureau gives Roamly an A+ rating, while ChatGPT stated a D- rating for the same question, producing the high-severity factual conflict described above.

What CiteWorks Studio Would Do Next

Phase 1: AI Visibility Market Discovery Audit. Map the exact prompt set where Roamly is surfaced but not shortlisted, with priority on Google AI Mode and Google AI Overviews where the placement gap is widest.

Phase 2: Recommendation Readiness Plan. Define the specific recommendation language, comparison framing, and trust signals that AI systems need in order to place Roamly in the top three rather than the broader consideration set.

Phase 3: Owned Answer Layer Buildout. Strengthen Roamly's owned pages so that the brand's recommendation case, coverage details, and differentiators are stated in extractable, citation-ready form.

Phase 4: Citation / Authority Layer Development. Address the source-layer conflict on the BBB rating and build a consistent third-party evidence footprint so AI systems retrieve the same trust signal across platforms.

Phase 5: Monthly AI Visibility and Recommendation Tracking. Track top-three rate, rank-one rate, and average recommended rank by platform and cluster to confirm whether presence gains are converting into placement gains.

Why This Matters

AI presence alone is not enough. Roamly appears in nearly 70% of qualified AI responses about RV insurance, but it reaches the top three in fewer than 20% of them and first position in fewer than 2%. A buyer who asks an AI system which RV insurance company to choose is far more likely to see Progressive or Good Sam Insurance Agency named as the answer, even when Roamly is mentioned somewhere in the response.

The next move is targeted correction of the prompt, page, and citation layers. Roamly already has the visibility and the framing quality. What the brand needs is a recommendation case that AI systems can retrieve, trust, and place at the top of the shortlist. That work is specific, measurable, and trackable month over month.

Core Metrics

Sentiment Score

Sentiment Score = (positive mentions × 1 + neutral mentions × 0 + negative mentions × -1) / total mentions

For Roamly in October 2026, that is (127 × 1 + 14 × 0 + 0 × -1) / 141, which equals 0.9007.

This matters because unclassified mention counts are misleading. A brand that appears in 141 AI responses with mixed framing is not in the same position as a brand that appears in 141 responses with consistently positive framing. Roamly's 0.9007 net sentiment score means the brand is being framed positively in the overwhelming majority of its mentions, with no negative framing recorded in the October 2026 dataset.

Share of voice is a diagnostic metric, not a business KPI. A positive recommendation, a neutral reference, a cautionary mention, and a competitor-displaced mention are not equal in commercial value. Counting all mentions as wins is bad measurement. Classified sentiment is required before interpreting AI visibility, because it separates the brand's framing quality from its recommendation placement. Roamly's framing quality is strong. Its recommendation placement is the constraint.

Sentiment by Platform

Questions This Section Answers

• Which platforms show the strongest and weakest sentiment for Roamly?
• On which platforms is Roamly present but not recommendation-led?

Methodology

1. Report orientation. This is a company-level AI Visibility Market Strategy Report derived from the LLM Authority Index AI Visibility Market Discovery Index for RV Insurance, October 2026, and the associated CiteWorks Studio case study and metrics aggregation.
2. Reporting window. The reporting month is October 2026, with comparison points at July 2026, August 2026, and September 2026.
3. Platforms tracked. Six AI and search surface families were tracked: ChatGPT, Copilot, Gemini, Perplexity, AI Overviews, and AI Mode. All six carried qualified observations in October 2026.
4. Observation count. The October 2026 benchmark produced 202 qualified observations from a starting collection of 800 prompt-surface observations and 574 unique questions.
5. Competitor universe. Ten brands were tracked: Roamly, Progressive, Good Sam Insurance Agency, National General, GEICO RV Insurance, Foremost Insurance, Safeco Insurance, The Hartford, American Family Insurance, and Dairyland Insurance.
6. Public clusters used. The public benchmark includes three clusters: C01 Best RV Insurance Discovery & Evaluation, C02 RV Insurance Company & Coverage Comparisons, and C03 RV Insurance Pricing, Quotes & Cost Research. Only C01 carried qualified observations in October 2026.
7. Stage 0 role. Stage 0 extraction retains the query, AI or search surface, answer, brand outcome, recommendation placement, sentiment, and where exposed, citations or attributable evidence sources.
8. Definition of a mention. A mention is any appearance of the brand in an AI response, regardless of recommendation status.
9. Definition of a valid recommendation. A valid recommendation is an appearance in a valid recommendation shortlist, as marked by the dataset. Neutral, cautionary, comparison-anchor, and listed-only mentions are not counted as valid recommendations unless the dataset explicitly marks them as such.
10. Ranking interpretation. Top-three rate, rank-one rate, and average recommended rank are calculated within the qualified observation set. Average recommended rank covers rank-eligible recommendations only.
11. Dataset normalization. Brand-level percentages use the qualified observations as the public denominator, not the raw collection. The qualified denominator narrowed from 290 observations in July 2026 to 202 in October 2026, so percentage levels partly reflect the smaller denominator.
12. Limitations. The public benchmark measures brand-recommendation discovery only and does not yet contain qualified observations in the Pricing & Value or Multi-Brand Comparison classes. It does not measure market share, attributable sales, every possible AI response, organic-search ranking, social mention volume, private or sponsored channels, or causality from a metric movement alone. Source presence is evidence about the information environment and is not automatically proof that the source caused the recommendation.

See How AI Is Recommending Your Brand

The public benchmark shows where Roamly stands in AI recommendations across the RV insurance category. A company-level AI visibility audit maps the specific prompt clusters, platforms, competitor displacements, and evidence sources that shape those recommendations, and turns them into a prioritized plan for moving from presence to placement.