15 Every Day Activities that Suggest You Need an Umbrella Policy

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.

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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 policy.

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/or 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.

Americans file approximately 15 million civil lawsuits annually. With an umbrella policy of $1 million starting at as little as $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 $1,000 typically reduces your homeowners premium enough to cover the cost of a $1 million umbrella policy.

Contact Spencer Insurance Agency, Inc. today to learn more about an umbrella policy and whether or not it fits your needs. (215) 885-2200 https://spencerinsurance.com/



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