Estimate an umbrella-liability coverage gap from net worth, assets, future income, existing coverage, and risk assumptions.
Determine how much personal umbrella liability protection you need based on your net worth, existing limits, and lifestyle risk factors.
Total assets minus debts (home equity, retirement, savings, etc.)
Recommended Umbrella Coverage
$1,000,000
On top of your existing home and auto liability limits
Net Worth
$800,000
Existing Coverage
$300,000
Risk Factors Checked
0
Est. Annual Cost
~$200
Total Liability Protection
$1,300,000
Protects your net worth plus a liability buffer for the risk factors you checked
Disclaimer: This tool provides informational results only and should not be used as professional advice.
The Umbrella Insurance Calculator estimates liability coverage exposure from net worth, assets, future income, existing coverage, and selected risk factors.
The result is a planning estimate for an umbrella-policy gap, not an insurance quote or recommendation.
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