The Smart Option · AZ
Motorcycles
Cruisers, sport bikes, touring and trikes — with liability, collision, custom-parts and roadside built for AZ heat and open highway.
Street · Sport · Touring · Trike
Arizona Powersports & Recreation Coverage
Insure the toys that make Arizona worth living in.
Motorcycles, RVs, boats, golf carts and off-road rigs — protected by an independent Arizona agency that shops the market for you, not the carriers.
20+Years covering AZ
100%Independent agency
6States licensed
5Toy categories
What We Cover
Five kinds of fun. One agency to protect them all.
From the freeway to the trailhead to the lake, Arizona is built for play. We match every ride with coverage that fits how — and where — you actually use it.
RVs & Motorhomes
Class A, B and C, fifth-wheels and travel trailers. Full-timer, vacation and total-loss replacement options for the long Arizona road.
Class A/B/C · 5th Wheel · TrailerBoats & Watercraft
Lake Havasu, Lake Pleasant, Saguaro and beyond — ski boats, pontoons, jet skis and fishing rigs, on the water and on the trailer.
Powerboat · Pontoon · PWCGolf Carts & LSVs
Big in Sun City, Peoria and every Arizona community. Coverage for on-course, neighborhood and street-legal low-speed vehicles.
Cart · LSV · Street-LegalOff-Road Toys
ATVs, UTVs, side-by-sides and dirt bikes for the desert and the dunes — with off-road liability and trail-ready protection.
ATV · UTV · Side-by-Side · Dirt BikeGot more than one toy?
Bundle your recreational vehicles with your auto and home for multi-policy savings. Ask an agent what you'd stack up.
Bundle & Save
Your Toys, Covered
The rides we protect across Arizona.
Swipe through a few of the motorcycles, RVs, boats, golf carts and off-road rigs we write policies for every week.
Open road, open throttle
Cruisers, sport bikes, touring and trikes — with liability, collision, custom-parts and roadside built for AZ highways.
Home is where you park it
Class A, B and C, fifth-wheels and travel trailers — with full-timer and total-loss replacement options.
From the ramp to Lake Havasu
Ski boats, pontoons, fishing rigs and jet skis — covered on the water and on the trailer.
Big in every AZ community
On-course, neighborhood and street-legal low-speed vehicles — from Sun City to Peoria.
Built for desert & dunes
ATVs, UTVs, side-by-sides and dirt bikes — with off-road liability and trail-ready protection.
Why Smart Options
Our experience. Your advantage. The smart option.
Insurance should give you confidence, not confusion — quickly, clearly and stress-free.
We work for you
Independent by design
We compare top-rated carriers to find the right recreational coverage at the best price — you're never boxed into one company.
Two decades in
Experience that delivers
For 20+ years we've helped Arizona families and riders protect what matters most, on and off the pavement.
Real people
Personalized support
We take time to understand how you ride, tow and play — then explain your options in plain English, no pressure.
Multi-state
Licensed & local
Based in Peoria and licensed across Arizona, California, Indiana, Michigan, Oregon and Wisconsin.
Serving All of Arizona
Recreational insurance in every Arizona city we can reach.
Wherever you ride, tow, launch or cruise in Arizona, Smart Options Insurance Agency has coverage built for your zip code. Our Peoria-based team writes motorcycle, RV, boat, golf cart and off-road policies for owners across the Valley of the Sun, the high country and the river towns alike.
Off-roaders in Apache Junction, Queen Creek and Prescott, boaters at Lake Havasu City and Bullhead City, RV owners rolling out of Mesa and Flagstaff, and golf cart communities in Sun City, Peoria and Surprise all count on us for local, independent advice.
Maricopa CountyPima CountyYavapai CountyMohave CountyCoconino CountyPinal County
Find My City's Rate
Free · No Obligation
Tell us what you ride. We'll shop the rest.
Fill out the form and a licensed Arizona agent will compare top carriers and get back to you with a personalized quote — usually the same day.
- One form, multiple carriers compared for you
- Bundle toys with auto & home for extra savings
- Real Arizona agents — call 480-531-6480
Get My Free Quote
Takes about 60 seconds.
Arizona Coverage Questions
What Arizona owners ask us most.
Do I need insurance for a motorcycle in Arizona?
Yes. Arizona requires liability coverage for street-legal motorcycles. We help you meet state minimums and add collision, comprehensive, custom-parts and roadside coverage sized to your bike.
Is RV insurance different from auto insurance?
It is. Motorhomes and trailers carry unique risks — contents, attachments, awnings and full-timer liability. We write policies that treat your RV as the rolling home it is.
Are golf carts covered by my home policy?
Often only in limited situations. If you drive around your community or on the street, a dedicated golf cart or LSV policy gives you real liability and physical-damage protection.
Can I insure my boat and jet skis together?
Yes — powerboats, pontoons, fishing rigs and personal watercraft can be covered on and off the trailer, whether you're at Lake Havasu, Lake Pleasant or Saguaro Lake.
Do you cover off-road ATVs and side-by-sides?
Absolutely. We write ATV, UTV, side-by-side and dirt-bike policies with off-road liability so your desert and dune days are protected.
Which Arizona cities do you serve?
All of them — from Phoenix, Mesa and Scottsdale to Lake Havasu City, Flagstaff, Prescott and Yuma. As an independent Peoria-based agency, we shop statewide for the best rate in your zip code.
Start Your Coverage Today
Protect the toys. Enjoy the ride.
Our friendly Arizona team is here to help you find the right protection — quickly, clearly and stress-free.