Umbrella vs Liability Calculator
Stack an umbrella on top of your existing auto and home liability.
Your net-worth and income details never leave your browser — the estimate runs locally.Try: Net worth=1500000, Annual income=150000, Rental properties=0, Pools / trampolines=0, Current liability limit=300000 → $300,000, $2,000,000, $2,300,000
How to use
Your umbrella does not replace your auto or home liability — it sits above it. Enter your current per-occurrence limit to see total protection.
FAQ
Do I still need high underlying limits?
Yes — insurers require a minimum auto and home liability (often $300K) before they will sell you an umbrella.
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