--- title: Umbrella Insurance = Peace of Mind description: Learn more about umbrella policies and whether you need one. --- # Umbrella Policy = Peace of Mind ## Tips from Flury-Hinderks Insurance * * * ## What is an Umbrella Policy? An [umbrella policy](/umbrella-insurance) provides additional layers of liability protection above the typical liability limits of your auto insurance or homeowner's insurance. If the liability limits are exhausted on your [home](/homeowner-insurance), [auto](/auto-insurance), or other underlying insurance, your umbrella insurance policy takes over and provides you with additional protection. Additional umbrella liability protection usually comes in increments of one million dollars. ### Do You Have Enough Liability Insurance? Just one serious accident, along with the resulting medical costs, lawsuits, and other expenses, can put everything a family owns — and even future income — at risk. Imagine what would happen if your dog was to bite a neighbor’s child, or if there was an accident on your rental property. What would happen if you caused an accident resulting in serious medical bills? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets, or your future earnings. ### Do I need an Umbrella Policy? For most families, the largest asset they may have is their future income which could be at risk or garnished in a serious accident. An umbrella policy is especially recommended (but not limited to) the following: - Families with young drivers - Own a boat or other watercraft - Own a rental property - Own a secondary property - Have a pool or hot tub on your property - Entertain other guests or company at your residence ### How much does an Umbrella Policy Cost? For a typical family with two vehicles, an umbrella policy may only end up costing around $200 annually. There are also multi-policy discounts that can be applied to your homeowner’s policy for instance that end up covering most of the cost. * * * ## Quick Quote (A form appears here on the HTML version of this page.) ## More on Umbrella Insurance - [Who Needs an Umbrella Policy?](/umbrella-insurance/needs) - [Umbrella Policies (Insurance Information Institute)](http://www.iii.org/articles/what-is-an-umbrella-liability-policy.html) ## Insurance Companies Flury-Hinderks Insurance represents the following insurance companies. [American Modern](/service-center#american-modern) [Aon Edge](/service-center#aonedge) [Briteco](/service-center#briteco) [Burns & Wilcox](/service-center#burns-wilcox) [CA Fair Plan](/service-center#ca-fair-plan) * * * ## Ready to Get Started? Flury-Hinderks Insurance can help you find the right umbrella insurance policy. Contact one of our helpful team members or start your quote online today. 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