Free Umbrella Policy Calculator
Calculate how much umbrella liability insurance you need based on your net worth and risk exposure.
Total Exposure
$800,000
Total Exposure vs Total Net Worth
Umbrella Insurance
An umbrella policy provides extra liability coverage beyond your auto and home insurance limits.
How Much Do You Need?
Suggested Coverage = Net Worth + Future Earnings at Risk - Highest Underlying Limit
Round up to the next $1 million increment. Most financial advisors recommend at least $1 million.
Cost
Umbrella policies cost roughly $150-$350 per year for $1 million of coverage, making them one of the most affordable forms of insurance.
Example Calculation
$500,000 net worth, $300,000 future earnings at risk, $300,000 auto and home limits.
- 01Total exposure = $500,000 + $300,000 = $800,000
- 02Gap above underlying = $800,000 - $300,000 = $500,000
- 03Rounded up to $1,000,000 umbrella policy
- 04Estimated cost = $250/year
Frequently Asked Questions
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