Who needs an umbrella policy?

Anyone with assets exceeding their underlying liability limits — typically $500k+ net worth, or households with teen drivers, pools, or rental property.

How much umbrella coverage should I carry?

A common rule: at least 1× net worth, rounded up to the nearest $1M. Coverage is cheap — typically $200–400/yr for $1M.

Does umbrella replace my other policies?

No. It sits on top of auto and home liability, kicking in only after those limits are exhausted.

Umbrella Insurance

Personal Umbrella Estimator

Million-dollar liability protection often costs less than $1/day. See your estimate, recommended coverage, and risk factors.

Estimated Net Worth ($)

Coverage Amount

Licensed Drivers

Homes / Properties

Estimated Premium

$230/yr

Recommended coverage: $1M

Coverage tier$1M

Base rate$200

Driver factor×1.15

Home factor×1.00

Risk factor×1.00

Frequently asked questions

Who needs an umbrella policy?: Anyone with assets exceeding their underlying liability limits — typically $500k+ net worth, or households with teen drivers, pools, or rental property.
How much umbrella coverage should I carry?: A common rule: at least 1× net worth, rounded up to the nearest $1M. Coverage is cheap — typically $200–400/yr for $1M.
Does umbrella replace my other policies?: No. It sits on top of auto and home liability, kicking in only after those limits are exhausted.