Umbrella Insurance Calculator
Umbrella insurance protects your assets from a big lawsuit. See how much coverage to carry based on what you have to protect.
Example: with Total assets to protect $1,200,000 · Existing liability coverage $500,000 → Recommended umbrella coverage: $1,000,000.
- Coverage gap$700,000
- Estimated annual cost$200 / yr
Computed by the calculator below using its default values. Change any input to see your own numbers.
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Learn moreCover your net worth
A serious lawsuit can exceed your home and auto liability limits and put your assets — and even future wages — at risk. Umbrella insurance adds a layer of liability coverage on top, and it’s remarkably cheap per dollar of protection. The common rule: carry at least your net worth.
How it’s calculated & sources
Coverage gap = assets − existing liability limits. We round the gap up to the next $1 million (with a $1M minimum) and estimate cost at roughly $200 for the first $1M plus ~$100 per additional million.
Benchmark: carry umbrella coverage at least equal to your net worth; pricing is about $150–300/year per $1M (Insurance Information Institute).
Results update as you type and are general estimates, not personalized financial, tax, medical or legal advice. Verify with a professional.
Frequently asked questions
Does umbrella cover my house and car claims?
It sits on top of them — your auto/home liability pays first, then the umbrella covers amounts above those limits, plus some claims they exclude.
Is it really that cheap?
Yes — because large claims are rare, $1M of umbrella coverage often costs less than $20/month. It’s one of the best value-per-dollar policies.