Estimate umbrella insurance needs from assets and risk — see recommended coverage and cost.
Estimate umbrella insurance needs from assets and risk — see recommended coverage and cost.
Enter values above and click Calculate — results will appear here with the formula explained.
Umbrella covers liability beyond home/auto, $1M increments. Recommended is net worth times risk factor, rounded up. High risk needs more than net worth due to future earnings at risk.
Cost is ~$150-300 per $1M yearly, cheaper than increasing home/auto limits. Requires underlying home/auto with 300/300 limits.
For YMYL liability, $1M is minimum if you own home or have savings, $2M+ for high net worth or high risk.
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Umbrella Insurance Calculator computes estimate umbrella insurance needs from assets and risk — see recommended coverage and cost. Formula: Recommended = netWorth * riskFactor where low 1. Example: With $500k net worth, medium risk 1.
Umbrella covers liability beyond home/auto, $1M increments. Recommended is net worth times risk factor, rounded up. High risk needs more than net worth due to future earnings at risk.
Cost is ~$150-300 per $1M yearly, cheaper than increasing home/auto limits. Requires underlying home/auto with 300/300 limits.
For YMYL liability, $1M is minimum if you own home or have savings, $2M+ for high net worth or high risk.
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With $500k net worth, medium risk 1.2× = $600k → recommend $1M umbrella, ~$200/year.
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