When spring weather hits Rio Rancho, NM, many homeowners rush to start their spring projects. The first warm weekends bring ladders out of storage, power tools onto patios, and neighbors moving between yards offering help or asking for a quick hand with something heavy. And that mix of rushed activity changes how liability works around your home long before the summer rush begins.

How Spring Projects Shift the Liability Picture

Once a project starts, a home turns from a simple living space into a small, temporary jobsite. Tools end up in walkways. Extension cords run across areas that people normally cross. Nails are on the floor. Landscaping materials are stacked everywhere where your kids usually play. Even the best-planned projects create dozens of moments where someone can step, trip, lift, or grab something without realizing the risks that come with it.

And in Rio Rancho, spring adds its own twist. Gusty winds roll in quickly, pushing unsecured items across yards or tipping over temporary structures used during your project. Dry soil shifts under ladders differently from summer soil. And your helpers, friends, relatives, and neighbors, bring good intentions but not always the situational awareness that comes with working in someone else’s space.

That’s the situation Frankin Insurance Agency sees most often: not chaos, not recklessness, just a busy household juggling too many moving parts. And that’s where umbrella insurance can take some weight off your shoulders, by protecting you from the risks that come with everyday unpredictability or shared weekend projects.

The Role of Umbrella Insurance

At Franklin Insurance Agency, we help families protect their assets with umbrella insurance. An umbrella policy does what it sounds like: It protects you by raising the limits on your home and auto insurance. With an umbrella policy, one mishap and resulting lawsuit won’t put your financial assets at risk.

At Franklin Insurance Agency, we’ll help you find the right umbrella policy for your risks, including any spring projects you have planned.