Umbrella Insurance Calculator

A common rule of thumb is to carry enough total liability coverage to protect your net worth, and for higher earners, some of your future income too, since a large judgment can reach both your assets and your wages. Add up what you would want to protect, subtract the liability limits already on your auto and home policies, and round up to the next $1 million, which is how umbrella policies are sold. This calculator does that math for you.

Umbrella (excess liability) insurance pays for liability claims that exceed the limits on your underlying auto and home policies, and it covers some situations those policies exclude, such as certain personal-injury claims. If you are found liable in a serious car accident or someone is badly hurt on your property, and the damages run past your auto or home liability limit, the umbrella policy picks up the excess, up to its own limit. It does not cover your own injuries or property.

It is one of the cheapest coverages per dollar of protection. Industry guidance puts a first $1 million of umbrella coverage on the order of $150 to $300 a year, with roughly $75 to $100 for each additional $1 million (Insurance Information Institute). The exact premium depends on the insurer, your location, your driving record, and risk factors like a pool, a trampoline, a teen driver, or rental properties. The calculator shows an illustrative range, not a quote.

Possibly, because the risk is not about how wealthy you feel but about what a judgment could take. A serious at-fault accident can produce damages far beyond a typical $250,000 or $500,000 auto liability limit, and the excess comes from your assets and future wages. New parents in particular tend to accumulate a home, savings, and college funds worth protecting. If your net worth or income is more than your existing liability limits, an umbrella is worth pricing.

It is related but broader and cheaper at high limits. You generally must carry a minimum underlying auto and home liability limit before an insurer will sell you an umbrella (often $250,000 to $500,000), and the umbrella then extends over both, plus some coverages they exclude. Because it only pays above those limits, a large umbrella costs far less than raising the underlying limits by the same amount, which is why it is the efficient way to reach $1 million or more of protection.

No. The calculator runs entirely in your browser and stores nothing on our servers. There is no email box and no sign-up. Your inputs are only reflected in the page's web address so you can bookmark, share, or print your result; clear the link and they are gone.