Recreational Lines Insurance

Optima Financial Group offers competitive rates on all motorcycle, boat, and recreational vehicle products. Whether there is a need to protect a custom bike or ATV, personal watercraft or boat, motorhome, or pop-up camper, we have a policy to preserve your investments and fit all budgets.

Motorcycle, ATV, and Snowmobile Coverage:

• Accessory coverage.
• Carried Contents.
• Enhanced Injury Protection.
• Bodily Injury/Property Damage Liability.
• Medical Payments.
• OEM Parts Guarantee.
• Physical Damage coverage.
• Rental Vehicle coverage.
• Transport Trailer coverage.
• Roadside Assistance.
• Safety Riding Apparel coverage.
• Total Loss Coverage (TLC).
• Uninsured/Underinsured Motorist coverage.
• Trip Interruption.
• On-road coverage for off-road vehicles.

Boat and Personal Watercraft Coverage:

• Total Loss Replacement — Replaces insured's boat with a brand new one of similar make and quality.
• Disappearing Deductibles — Reduces the deductible by 25 percent at each claim free renewal.
• Sign & Glide® coverage — Help comes to you if you are stranded on the water and need fuel, a jump, or tow with no out-of-pocket costs!
• Propulsion Plus coverage — Provides coverage for the lower units of outboard motors, and the upper and lower units of inboard/outboard motors in the event of a mechanical breakdown, including those caused by wear and tear.
• Trailer Trip Interruption coverage — Pays for meals, transportation and lodging if you have a trailer or tow vehicle breakdown or accident while towing your watercraft more than 100 miles from home.
• Hurricane Haul Out coverage — Reimburses the customer 50 percent of the cost incurred to haul out their boat due to a named storm.
• Replacement Cost Fishing Equipment — Up to $10,000 for tackle, rods, and reels.
• Replacement Cost Personal Effects — Protects the insured's personal items including cameras, clothes, cell phones, etc.
• 24-hour Roadside Assistance — Covers trailer(s) and tow vehicle(s).
• Wreckage Removal coverage — Pays for any attempted raising, removal, or destruction of the wreckage.
• Fuel Spill Liability — Coverage for unintentional oil or fuel spills that result in bodily injury or property damage.
• Medical Payments — Includes coverage for water-skiers.

Recreational Vehicle Coverage:

• Total Loss Replacement — Replaces a “totaled” RV with a new model of similar make and quality.
• Pest Damage Protection SM — Provides coverage for damage to motor homes and non-stationary travel trailers caused by rodents, insects, birds, other non-domesticated animals.
• Roof Protection Plus® — Provides coverage to repair or replace the vehicle's roof if it malfunctions, even if the cause is wear and tear. This coverage also includes damage to other parts of the vehicle caused directly by the roof's malfunction.
• Emergency Vacation Expense — Provides up to $2,000 for lodging and transportation if an RV is damaged during a trip.
• Disappearing Deductibles — Reduces the deductible by 25 percent at each claim free renewal.
• Full Timer's Package — Extra coverage for customers who use an RV as their home.

Replacement Cost Personal Effects — protects the insured's personal items including cameras, clothes, cell phones, etc.

• 24-hour Roadside Assistance — Provides assistance for disabled vehicles – and we'll be sure to send a tow truck that can handle your customer's RV.
• Windshield coverage — $0 deductible option for replacing a damaged windshield.
• Free Pet Injury coverage — Pays up to $1,000 toward veterinary fees or the pet's replacement.