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15 every day activities that suggest you need an umbrella policy

BY Citizens Insurance

15 every day activities that suggest you need an umbrella policy
(Photo by Getty Images)

Click here or call (248) 349-1122 to request an umbrella insurance quote!

If you carry auto or homeowners insurance, you may be asking yourself… "do I really need an umbrella policy, too?" The short answer is yes.

An umbrella policy kicks in where your homeowners  and auto policies leave off – providing you with extra protection and peace of mind should the unexpected happen and a claim or lawsuit be filed against you.

Most of us participate in activities every day that put us at risk. Here are some real-life activities that signal you should carry an umbrella.

Do you do these things?

  1. Drive a car

  2. Walk your dog in your neighborhood or local park

  3. Have teenagers who drive your car or their own

  4. Carpool with other families

  5. Watch your friends' children or utilize babysitters in your home for your children

  6. Entertain family and friends at your home

  7. Use social media or have a child who does

  8. Allow your children's friends to hang out at your house

  9. Own recreational vehicles like boats, motorcycles, jet skis, and golf carts

  10. Have a swimming pool or trampoline

  11. Employ a house cleaner

  12. Hire someone to cut your lawn or plow your driveway

  13. Order online and have packages delivered to your home

  14. Volunteer and/or serve on a board

  15. Coach, referee or umpire youth sports

According to, Americans file approximately 15 million civil lawsuits annually. With an umbrella policy of $1 million starting at about as little $20 a month, it is one of the most cost-efficient ways to protect your family and assets. Additionally, raising the deductible on your homeowners policy from $500 to $1000 typically reduces your homeowners premium enough to cover the cost of a $1 million umbrella policy. Watch the short video above to learn more about umbrella coverage.

Disclaimer: This article is provided for informational purposes only and does not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice.


Original article shared here:

Proudly offering Citizens insurance and Umbrella insurance in Northville, Ann Arbor, Canton, Detroit, Dearborn Heights, Garden City, Farmington, Farmington Hills, Inkster, Livonia, Novi, South Lyon, Southfield, Redford, Wayne, Westland, Wixom, Ypsilanti, Pittsfield, & Scio Township, Michigan.

670 Griswold Street #100 Northville, MI 48167

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