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15 every day activities that suggest you need an umbrella policy

By Citizens Insurance

Everyday activities that suggest you need an umbrella policy
(Photo by Getty Images)

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?

  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.

Proudly offering Umbrella Insurance in Waterford, Troy, Farmington Hills, Southfield, Rochester Hills, Bloomfield Hills, Ferndale, Pontiac, Royal Oak, Novi, Commerce, Orion, Independence, White Lake, Madison Heights, Oak Park, Auburn Hills, Oxford, Birmingham, Highland, Oakland County, Michigan, and surrounding areas.


The Huttenlocher Group

1007 W Huron St, Waterford , MI  48328

(248) 681-2100

1007 W Huron St, Waterford Twp, MI 48328

(248) 681-2100

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