Spring is beautiful in Clarkston, MI. The ground softens, the sunlight lasts a little longer, and suddenly every homeowner starts eyeing the yard with a mix of anticipation and impatience. Of course, those first outdoor moments feel harmless. You might clear branches, tune up equipment, or move things around the property. But they also shift something else: your liability exposure.

How Early Yard Work Changes the Space Around You

Spring is often an awkward in-between season. Your lawn is still uneven from freeze heave, walkways are slick from morning frost, and winter debris hides in spots you haven’t looked at since October. Once you start working outside, you create new pathways, new obstacles, and new risks. Neighbors stop by, kids cut across your yard, delivery drivers navigate tools or materials you just left on the walkway for “a minute.”

The problem is these small moments often carry more weight than you’d expect. A ladder planted in soft ground. A mower pulled out before you’ve made sure the terrain is cleared. A visitor stepping around a project area without realizing the footing is unstable. These are the kinds of risks homeowners tend to ignore because the season is still so early. Yet this is exactly when injuries and accidents most often sneak in.

The Ryan Insurance Agency helps homeowners connect their seasonal behavior with the protection offered by umbrella insurance. Early springs disrupt much more than most people suspect, and those disruptions often are outside of your coverage. But an umbrella can raise the liability limits on your home and auto policies, so you’ll be shielded from financial harm. 

Why Coverage Awareness Matters Before Projects Ramp Up

Early-spring yard work isn’t the same as summer upkeep. It’s more about improvisation. You react to whatever the thaw reveals. Reviewing your coverage should work the same. Make sure your coverage matches your current risk, not last year’s.

The Ryan Insurance Agency helps homeowners find the right umbrella insurance for their risk exposure. Call us . We’re currently serving Clarkston, MI.