Umbrella Insurance Calculator
Determine how much umbrella liability insurance you need based on your total assets, income, and risk exposure.
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Recommended Umbrella Coverage
Umbrella insurance provides extra liability coverage beyond your auto and homeowner’s policies. It protects your assets if you’re sued.
Recommended Coverage = Total Assets + (Annual Income × 2-3 years)
Why you need it:
- Auto and home policies typically max out at $300,000-$500,000
- A serious accident or lawsuit can result in judgments of $1M+
- Umbrella policies cover the gap
What umbrella insurance covers:
- Auto accidents beyond your auto policy limits
- Injuries on your property beyond homeowner’s limits
- Libel, slander, and defamation claims
- Lawsuits from rental properties
Cost: Umbrella insurance is surprisingly affordable:
- $1M policy: $150-$300/year
- $2M policy: $200-$400/year
- Each additional $1M: $50-$100/year
Rule of thumb: Your coverage should equal or exceed your total net worth.