Umbrella Insurance Coverage Calculator
Determine how much umbrella liability insurance you need to protect your net worth.
Calculation Inputs
Calculation Results
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Enter inputs on the left and click Calculate to view results.
Formula & Methodology
Umbrella = Max(Net Worth, $1M) + Risk Buffer; avg premium ~$150-300/year per $1M
Umbrella insurance costs $150-300/year for $1M in coverage. It's one of the best value insurance products available.
Frequently Asked Questions
Who needs umbrella insurance?
Anyone with assets to protect, especially homeowners, parents of teen drivers, landlords, public figures, or those with swimming pools.