Protect your assets beyond your policy limits
See roughly what extra liability coverage costs on top of your existing auto and home policies.
Monthly equivalent: $17
- $1M umbrella base88%
- Additional underlying policies13%
≈$175 per $1M of coverage / yr
2 auto, 1 home policies
0 claims
Illustrative estimate only — not a quote or professional recommendation. Read the full disclaimer.
Trust & methodology
Last reviewed: July 23, 2026
This tool provides an illustrative umbrella (excess liability) premium estimate based on the generic factors shown below — not a quote from any insurer.
How to use this calculator
Pick a coverage limit
How much extra liability protection you want above your auto and home policy limits.
Count your underlying policies
How many auto and home/property policies the umbrella would sit on top of.
Add prior claims
Liability claims in the past few years raise the estimate.
Read the estimate
See the illustrative annual and monthly cost for that coverage limit.
Inputs used
- Umbrella coverage limit
- Number of underlying auto policies
- Number of underlying home/property policies
- Prior liability claims
Formula basis
- Base = coverage limit in millions × ≈$175 per $1M of coverage per year
- Annual premium = (base + surcharge for additional underlying policies) × prior-claims multiplier
Assumptions and limits
- Generic, publicly-representative rate assumptions — not a filed rate table from any specific insurer
- Assumes underlying auto/home liability limits already meet the minimums insurers typically require before writing an umbrella policy
- Does not model excluded risks (e.g. business liability, intentional acts) that a personal umbrella policy typically does not cover
Frequently asked questions
It adds extra liability protection above the limits of your auto and home policies — for example, if you're sued for more than your auto policy's liability limit after a serious accident, umbrella coverage picks up the rest.
Anyone with meaningful assets to protect (home equity, savings, investments) or elevated liability exposure — a pool, a dog, teen drivers, or rental property are common triggers people cite.
Umbrella claims are relatively rare because your underlying auto/home policy has to be exhausted first. That lower claim frequency is why $1M+ of coverage often costs a few hundred dollars a year.