For most agencies, personal insurance has become very different in the past few years. With the downturn in the economy and competition as fierce as ever, it is increasingly difficult not only to find new business, but also to hold on to existing customers. People are shopping. So how do we hold on to our customers and find new business? One solid answer is account rounding.

Most people do not properly insure the toys–motorcycles, boats, jet skis, all-terrain vehicles (ATVs), snowmobiles, recreational vehicles. Providing your customers the proper advice and coverage may not only add to your bottom line and retention rate, but can enhance your reputation as well.

Some common toys are often not thought of much from an insurance point of view, particularly the little things. ATVs, dirt bikes, snowmobiles and mopeds are probably the most widely overlooked. These vehicles can be quite a big risk due to their high liabilities and medical payment exposures. It often is assumed that coverage is provided under the insured's homeowners policy. Although homeowners policies can provide some liability coverage, they are typically very limited on who and what they cover.