Umbrella Coverage Calculator

Umbrella liability should cover net worth + projected earnings, scaled by lifestyle risk. Results update live.

Your numbers

Home equity

Savings + non-retirement investments

Retirement accounts (401k, IRA, pension)

Other assets (vehicles, boats, jewelry)

Total debts

Annual income

Years until retirement

Lifestyle risk factors

We have a swimming pool+20%Teen driver in the household+25%We have a dog+10%Public-facing role (executive, public figure, etc.)+15%I own a business+20%We host gatherings at home regularly+10%

Recommended umbrella tier

$5,000,000

Most carriers price umbrella in $1M tiers up to $5M, then $10M. Typical AL/GA/TN cost: $200-$400/yr for the first $1M, then ~$100/yr per additional million.

Math

Net worth$425,000

Future earnings (25yr)$2,250,000

Exposure base$2,675,000

Lifestyle multiplier×1.00

Recommended (raw)$2,675,000

Rounded to tier$5,000,000

Get an umbrella quote

Why this matters

Auto and homeowner liability typically caps at $300k or $500k. One serious accident can produce a judgment well above that. Umbrella picks up where the underlying policy stops. It is the cheapest dollar of liability coverage available; most TCDS clients pay $200-$400/yr for the first $1M.

Why lifestyle multipliers matter

Insurance claim data shows certain household features drive outsized claim exposure. The multipliers above reflect 2026 loss-cost data from AL/GA/TN carriers we place with. They are guidelines, not pricing factors — your actual quote depends on the carrier's underwriting.

When you need MORE than the tier suggests

High-profile professions (physician, attorney, executive), significant inherited wealth not yet drawn down, or any history of being a litigation target all justify going one tier above the calculated amount. Talk to a planner before buying $5M+; there are tax and estate-planning considerations beyond insurance.

Coverage questions and answers

What is umbrella insurance and how does it work?

An umbrella policy adds an extra layer of liability protection (usually $1 million or more) on top of the limits in your auto and home policies. If you are sued for a serious at-fault accident or injury and the damages exceed your underlying limits, the umbrella pays the difference up to its limit, shielding your savings, home, and future wages.

How much umbrella coverage do I need?

A good rule is to carry at least enough umbrella coverage to protect your net worth, and ideally your future earnings too, since a judgment can attach to both. This calculator factors in your assets, income, and exposures (teen drivers, a pool, a dog, rental property) to suggest a limit. Most families start at $1 million and step up from there.

Who needs an umbrella policy?

Anyone with assets or future income to protect, and especially anyone with added exposure: teen drivers, a swimming pool, a trampoline, a dog, rental property, a boat, or a high-profile job. Umbrella coverage is inexpensive relative to what it protects, which is why we recommend it for far more clients than carry it.

How much does umbrella insurance cost?

Umbrella insurance is one of the best values in coverage: about $150 to $300 a year for the first $1 million, and roughly $75 to $100 for each additional million, depending on your household and exposures. Carriers usually require set auto and home liability limits underneath, which we help you line up.