Americans in all walks of life own "toys" such as recreational vehicles (RVs), boats, personal watercraft, aircraft, motorcycles, all terrain vehicles (ATVs), golf carts, drones, and other types of motorized vehicles for leisure time enjoyment. Many people think these "toys" are insured by their homeowners and/or personal auto policy, but that is rarely the case.Completing this course will help agents identify the related coverage gaps in their customers' insurance programs and sell them appropriate additional insurance to fill those gaps.