Umbrella Liability Coverage Calculator (2025)
Estimate how much extra protection you need to safeguard your assets. Find the right coverage and compare personalized umbrella insurance quotes.
What Is Umbrella Liability Insurance?
Umbrella liability insurance provides extra liability protection beyond your existing home and auto insurance limits. It acts as a financial safety net, protecting your personal assets from lawsuits, claims, and major liability events that exceed your standard policy coverage.
How Much Umbrella Coverage Do You Need?
The general rule of thumb is to have umbrella coverage equal to your total net worth. This ensures all your assets are protected in case of a major liability claim. Common coverage tiers include:
- $1 million coverage for most households
- $2 million coverage for higher-net-worth individuals
- $5 million+ coverage for substantial assets and business exposure
Cost typically ranges from $150 to $500 annually per $1 million in coverage, making it an affordable way to protect significant assets.
Who Needs Umbrella Insurance?
High-Risk Individuals:
- High earners with substantial assets
- Property owners with multiple properties
- Landlords with rental properties
- Parents of teenage drivers
Professionals with Exposure:
- Freelancers and consultants
- Board members or volunteers
- Public figures and influencers
- Business owners
Ready to Get Protected?
Use our calculator above to estimate your coverage needs, then compare quotes from top insurance providers to find the best rates for your umbrella liability insurance.