Umbrella Policy Calculator
Determine the right umbrella insurance coverage amount based on your net worth, future earnings, and risk factors.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Results
Recommended Coverage
$2,000,000
Annual Premium
$325
How to Use This Calculator
- Enter your current auto and homeowners liability limits.
- Input your total net worth (assets minus liabilities).
- Set the desired umbrella coverage amount (typically $1M–$5M).
- Review the estimated umbrella policy annual premium.
- Umbrella coverage kicks in after underlying policy limits are exhausted — most experts recommend coverage equal to or greater than net worth.
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