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Calcimator

Umbrella Policy Calculator

Determine the right umbrella insurance coverage amount based on your net worth, future earnings, and risk factors.

Inputs

$
$

Results

Recommended Coverage

$2,000,000.00

≈ 5 average U.S. homes

Annual Premium

$325.00

≈ 6 tanks of gas

Monthly Premium$27.08
Total Asset Exposure$1,250,000.00
Cost per $1M Coverage$162.50
How to Use This Calculator
  1. Enter your current auto and homeowners liability limits.
  2. Input your total net worth (assets minus liabilities).
  3. Set the desired umbrella coverage amount (typically $1M–$5M).
  4. Review the estimated umbrella policy annual premium.
  5. Umbrella coverage kicks in after underlying policy limits are exhausted — most experts recommend coverage equal to or greater than net worth.

What each input means

Total Net Worth
All assets minus liabilities including home equity and investments.
Future Earnings at Risk
Estimated future earnings a court could garnish (5-10 years of income).
Number of Vehicles
Total vehicles including teen drivers.
Number of Properties
Properties you own, including rental properties.
Swimming Pool
0 = No, 1 = Yes. Pools are an attractive nuisance liability.
Dog Owner
0 = No, 1 = Yes. Dog bites are a leading homeowners liability claim.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Total Net Worth = 750000, Future Earnings at Risk = 500000, Number of Vehicles = 2, Number of Properties = 1 = 6 input(s) provided
  2. Calculate Annual Premium
    325 = $325
  3. Calculate Monthly Premium
    Monthly Premium
    27.08 = $27.08
  4. Calculate Total Asset Exposure
    Total Asset Exposure
    1250000 = $1,250,000

Engine last updated . Checked against 2 independently-derived tests — how we verify calculators.

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