Why Use This Umbrella Insurance Calculator
Umbrella insurance protects your assets from lawsuits. This umbrella insurance calculator helps you:
- 💰 Calculate Assets at Risk — see what you need to protect.
- 📊 Understand Your Protection Gap — see your uncovered exposure.
- 📉 See Premium Estimates — approximate annual cost.
- 📈 Visualize Your Coverage — see the breakdown charts.
- 📜 Track Your History — save, review, and export past calculations.
- 🔒 100% Private — all calculations run locally.
How Umbrella Insurance Is Calculated
Total Assets at Risk = Net Worth + (Annual Income × 5)
Existing Liability Coverage = Home Liability + Auto Liability
Protection Gap = Assets at Risk − Existing Liability Coverage
Recommended Umbrella Coverage = Protection Gap rounded up to the nearest $100,000
Risk Multiplier: Low = 1.0, Moderate = 1.2, High = 1.5
Annual Premium Estimate = (Recommended Coverage / $1,000,000) × $200 × Risk Multiplier
How to Use This Umbrella Liability Calculator
- Select your account currency from the picker in the site header.
- Enter your net worth.
- Enter your annual income.
- Enter your home liability coverage.
- Enter your auto liability coverage.
- Enter the number of properties and vehicles.
- Select your risk factor (low, moderate, high).
- View your results instantly — see your recommended umbrella coverage and protection gap.
Frequently Asked Questions
What is umbrella insurance?
Umbrella insurance provides additional liability coverage beyond what your home, auto, and other policies offer. It protects your assets in case of a lawsuit.
How much umbrella coverage do I need?
A common rule of thumb is to have enough umbrella coverage to protect your net worth and future income. This calculator helps you find a more precise number.
What does umbrella insurance cover?
Umbrella insurance covers bodily injury, property damage, personal injury (libel, slander), and landlord liability. It also covers legal defense costs.
How much does umbrella insurance cost?
Umbrella insurance is relatively inexpensive. A $1 million policy typically costs $150-$300 per year. Additional coverage is usually cheaper per million.
Is my data stored anywhere?
No. All calculations run locally in your browser. History and presets are saved in your browser’s localStorage — nothing is sent to a server.