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 Recreational Insurance FAQ
Motorcycle, RV, boat, golf cart & off-road insurance questions.
How much does motorcycle insurance cost in Arizona?
Your motorcycle insurance rate in Arizona depends on your bike, riding history, coverage limits and ZIP code. As an independent Peoria agency we compare multiple top-rated carriers to find cheap, reliable motorcycle insurance for riders in Phoenix, Mesa, Scottsdale and every AZ city — request a free quote to see your exact price.
Do I need insurance for a travel trailer or fifth-wheel RV in Arizona?
Your tow vehicle's auto policy may extend limited liability while towing, but it won't protect the trailer itself. A dedicated Arizona RV insurance policy adds contents, attachments, awning and full-timer coverage for Class A, B and C motorhomes, fifth-wheels and travel trailers on the road and at camp.
Does homeowners insurance cover a golf cart in Arizona communities like Sun City and Peoria?
Usually only in very limited situations and rarely once you leave your property. If you drive around Sun City, Peoria or Surprise or on public streets, a dedicated golf cart or low-speed vehicle (LSV) insurance policy gives you real liability and physical-damage protection.
Can I insure my boat and jet skis for Lake Havasu and Lake Pleasant on one policy?
Yes. Arizona boat and watercraft insurance can cover ski boats, pontoons, fishing rigs and personal watercraft together — protected on the water at Lake Havasu, Lake Pleasant and Saguaro Lake and while you're trailering to and from the ramp.
Do you offer ATV, UTV and side-by-side off-road insurance in Arizona?
Absolutely. We write ATV, UTV, side-by-side and dirt-bike insurance with off-road liability so your Sonoran Desert trail rides and dune days near Apache Junction, Queen Creek, Prescott and Flagstaff are fully protected.
What does Arizona require for a street-legal golf cart or low-speed vehicle (LSV)?
Street-legal LSVs generally must be registered and carry liability insurance to operate on public roads. We help Arizona owners meet those requirements and add comprehensive and collision coverage to protect against theft, vandalism and accident damage.
Can I bundle motorcycle, RV, boat and off-road insurance with my auto and home in Arizona?
Yes — bundling your recreational toys with your auto and home can unlock multi-policy discounts. As an independent Arizona agency we can stack your policies under one roof; ask an agent how much you'd save by combining coverage.
How do I get a fast recreational vehicle insurance quote in Phoenix, Mesa or Scottsdale?
Choose your toy in the quote form above or call 480-531-6480. A licensed Arizona agent compares top-rated carriers and sends a personalized motorcycle, RV, boat, golf cart or off-road quote — usually the same day, anywhere in the Valley of the Sun.
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.