Personal Umbrella Liability Calculator

Find out how much personal umbrella insurance you need to protect your assets and future earnings from large liability judgments.

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A personal umbrella policy provides excess liability above your auto and homeowners policies (typically after a $300k-$500k underlying limit). It covers bodily injury, property damage, and personal liability claims that exceed your base policy limits. Recommendation: match or exceed your total net worth, rounded up to the nearest $1M. Cost is typically $150-$300/year per $1M for the first $5M. This is a guideline - consult a licensed property and casualty insurance agent.