伞式保险计算器
评估您是否需要伞式保险以及所需保额，分析净资产和潜在责任风险，为超出基础保单限额的索赔提供保障。
Total Exposure
$800,000
Total Exposure vs Total Net Worth
公式
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.
计算示例
$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
常见问题
What does an umbrella policy cover?
Umbrella insurance covers liability claims beyond your auto and home policy limits, including bodily injury, property damage, certain lawsuits, and personal liability situations like defamation.
Who needs umbrella insurance?
Anyone with significant assets or future earnings to protect. If your net worth exceeds your auto/home liability limits, an umbrella policy prevents creditors from reaching personal assets.
Is umbrella insurance expensive?
No. Umbrella insurance is one of the best values in insurance. A $1 million policy typically costs $150-$350 per year, and each additional million is even cheaper.
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