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15 every day activities that suggest you need an umbrella policy 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. Video 
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The Hanover commissioned The Harris Poll to survey more than 1,000 American homeowners to better understand the actions they are taking to protect their homes from weather, water damage and other common threats to home safety.
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