top of page

Every day activities that suggest you need an umbrella policy

BY Citizens Insurance

15 every day activities that suggest you need an umbrella policy

Click here or call (810) 653-2602 to request a quote bundling with an Umbrella

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.

Other Industries and products we specialize in at The Fulcher Group:

Manufacturing Insurance

Preschool & Daycare Center insurance

Automotive Manufacturing Insurance

Tool & Die Shop Insurance

Staffing Agency Insurance

Food and Agriculture Insurance

Freshwater Technology and Services Insurance

Non-Profit Insurance

Cannabis Facility Insurance

Investment Properties – Commercial landlord Insurance

Habitational/Hospitality Insurance

Medical Malpractice Insurance

Elementary and Secondary (K-12) School Insurance

Home Insurance

Condo Insurance

Renters Insurance

Motorcycle Insurance

Watercraft Insurance

Umbrella Insurance

Small Business Insurance

Original article shared here:

The Fulcher Group offers in Davison, Burton, Flint, Fenton, Beecher, Flushing, Grand Blanc, Goodrich, Swartz Creek, Linden, Mount Morris, Clio, Argentine, Otisville, Lapeer, Genesee, Michigan, and surrounding areas.

329 N State Rd, Davison, MI 48423

(810) 653-2602

  • Grey Facebook Icon
  • Grey Google Places Icon

CA License: 0G47886

We use cookies to personalize and enhance your experience on our site.  Visit our Privacy Policy to learn more. By using our site, you agree to our use of cookies, as well as our Privacy Policy and Terms of Use.

bottom of page