If you want an Umbrella Insurance policy and you have Citizens Insurance then it will now be more dificult. You will have to change Home Insurance carriers or buy an additional Liability policy for another $150 of premium. This information was sent to us form our friends at First State Insurance and also from Progressive Car Insurance as L & S is a licensed rep for them. Please call L & S at 1-888-244-7400 for a quote for Car, Home, Flood, Auto, Business & Commercial as well as Life Insurance coverage’s.