2026 Umbrella Insurance Calculator
Estimate your excess liability coverage needs
$
Include home equity, savings, investments, etc.
Quick set:
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Umbrella Insurance FAQ
How much umbrella insurance do I need?
A good rule is coverage equal to your net worth. If you have $500K in assets, get at least $500K umbrella coverage.
What does umbrella insurance NOT cover?
Business activities, intentional damage, your own injuries, and contractual liability are typically excluded.
Data from NAIC, Insurance Information Institute (III) 2026. This is an estimate only.