Umbrella Insurance Calculator
Protect your assets with the right coverage level
Your Assets
$
$
$
$
$
Future Earnings
$
Lawsuits can garnish future wages
Risk Factors
Select any that apply to increase coverage:
Current Liability Limits
$
$
Recommended Umbrella Coverage
$3.0M
Based on your assets, income, and risk factors
Typical cost: $150-$300/year for $1M coverage
Total Assets
$600K
Future Earnings
$1.5M
Total Exposure
$2.1M
What's at Risk
What Umbrella Insurance Covers
Covered
- • Liability lawsuits beyond auto/home limits
- • Personal injury claims
- • Property damage liability
- • Defamation, libel, slander
- • Landlord liability
Not Covered
- • Your own injuries or property
- • Business liability
- • Intentional acts
- • Criminal acts
- • Contractual disputes
Disclaimer: This calculator provides general guidance only. Actual coverage needs depend on individual circumstances. Umbrella policies require minimum liability limits on underlying auto and home policies. Consult an insurance professional.