Free calculator

Umbrella insurance calculator

An umbrella policy does not replace your home and auto liability cover — it sits on top of it and starts paying where those limits stop. This works out how far above them you would need to go.

Everything stays in your browser. Nothing is sent to us, and the result is an estimate, not a quote or advice.

How this works

Umbrella coverage is excess liability. It pays only after the liability limit on the underlying home or auto policy is exhausted, and most carriers will not sell you one until those underlying limits meet a minimum they specify. Raising the underlying limits and adding an umbrella are two different moves, and you usually need both.

Exposure = home equity + savings and investments + other assets + (annual income × years to protect).
Underlying limit = the higher of your home and auto liability limits — an umbrella sits above whichever policy the claim lands on.
Gap = exposure − underlying limit, floored at zero.
Suggested limit = the gap rounded up to the next whole $1,000,000, since umbrella is sold in million-dollar layers.
Two or more risk flags (teen driver, pool, trampoline, dog, rental property) and we suggest one tier higher.

Counting future income is a rule of thumb, not a legal rule: what a plaintiff can actually collect depends on your state's exemption and garnishment law, which we are not modelling. Retirement accounts are often protected, so leave them out if yours are.

Not modelled: price. Umbrella layers are cheap relative to what they buy, but the rate depends on your household, your vehicles and your carrier — an agency quotes it.

Next step

Ask a local agency what an umbrella layer would cost

Enter a ZIP code to see the agencies nearest you.

Find an agency