Umbrella Insurance Calculator
Estimate umbrella insurance premium for $1M-$5M coverage. See when umbrella coverage makes sense.
Annual Premium
$225.00
Monthly Cost
$18.75
Cost per $1M
$225.00/yr
Umbrella Recommended?
Yes
Your assets ($500,000.00) exceed your highest liability limit ($300,000.00). An umbrella policy would cover the $200,000.00 exposure gap.
Coverage Tier Comparison
| $1M coverage | $225.00/yr ($18.75/mo) |
| $2M coverage | $312.00/yr ($26.00/mo) |
| $3M coverage | $399.00/yr ($33.25/mo) |
| $5M coverage | $573.00/yr ($47.75/mo) |
When You Need Umbrella Insurance
- Your total assets exceed your auto/home liability limits
- You have a pool, trampoline, or dog (higher liability risk)
- You own rental properties or have teen drivers
- You could be sued for future earnings (high-income professionals)
Use the Umbrella Insurance Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
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