Umbrella Insurance Coverage Calculator
About Umbrella Insurance
A personal umbrella policy provides an extra layer of liability coverage above and beyond your home and auto insurance limits. It kicks in when those underlying limits are exhausted. Umbrella policies are particularly valuable for homeowners with significant assets, pools, trampolines, dogs, or teenage drivers. Most $1 million umbrella policies cost just $150–$300 per year — making it one of the best values in insurance. Your umbrella coverage should be at least equal to your total net worth.
Frequently Asked Questions
What does umbrella insurance cover?
Umbrella insurance covers excess liability from auto accidents, injuries on your property, libel, slander, and other personal liability claims that exceed your home or auto policy limits.
How much umbrella coverage do I need?
A general rule is to purchase enough to cover your net worth. The more assets and income you have to protect, the higher your coverage limit should be. Most policies are sold in $1 million increments.
Does a pool significantly increase liability risk?
Yes. Pools are considered "attractive nuisances" — they attract children who may be harmed. Pool ownership can dramatically increase your liability exposure and umbrella insurance need.
Does umbrella insurance cover my business activities?
Personal umbrella policies typically exclude business activities. If you run a business from home or have other commercial exposures, you need a separate commercial umbrella policy.
Do I need underlying home and auto policies first?
Yes. Umbrella insurers require you to maintain minimum liability limits on your underlying home and auto policies — typically $300,000 homeowners and $250,000/$500,000 auto liability.
Results are estimates only. Actual umbrella insurance premiums depend on your underlying policy limits, claims history, and insurer underwriting. Consult a licensed insurance professional for accurate quotes.