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How Much Umbrella Insurance Do I Need?

Umbrella Calculator

There is no simple formula that can determine the proper umbrella limit. This worksheet illustrates how a hypothetical liability claim might compare with your existing protection; it does not recommend a policy limit.

Hypothetical covered liability claim ($)

Please enter a number greater than or equal to 0.

Underlying policy liability limit ($)

Please enter a number greater than or equal to 0.

Illustrative amount above underlying policy limit ($)

Illustrative difference. If negative, the amount above the underlying limit is $0. This is not a coverage recommendation.

This is NOT a prediction of claim payment or an umbrella recommendation. Exclusions, retained limits, defense costs and coverage terms matter.

Request an Umbrella Review

Educational information only. Coverage is subject to insurer eligibility, policy provisions, limitations and exclusions. No insurance is bound through this page.

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