Calculators
Umbrella Insurance Calculator
Calculate the gap between your assets and future income at risk and your auto and home liability limits, and the umbrella cover to close it.
- Runs in your browser
- Nothing uploaded
The tool
Enter your numbers below. Results update as you type, and nothing leaves your browser.
Everything you enter stays on your own machine. Nothing is sent to us or to anyone else, which you can confirm in your browser network tab.
What people use it for
- Deciding whether to buy an umbrella policy
- Choosing the umbrella limit
- Annual insurance reviews
- Asset protection planning
About this tool
What the Umbrella Insurance Calculator does
An umbrella policy adds liability cover above your auto and home policies. The amount to buy is usually based on what a large judgement could take: your net worth and some years of future income, minus the liability limits you already have, rounded up to the next million.
It also works as a umbrella insurance coverage gap calculator.
Formula
- Exposure = net worth + income × years at risk + 250,000 per extra risk factor
- Gap = exposure − highest underlying liability limit
- Umbrella = gap rounded up to the next 1,000,000
Worked example
Using the starting values in the calculator above:
| Input | Value |
|---|---|
| Net worth | $900,000 |
| Annual income | $150,000 |
| Years of income at risk | 3 |
| Auto liability limit | $250,000 |
| Home liability limit | $300,000 |
| Extra risk factors (pool, teen drivers, rental property) | 1 |
| Result | Value |
|---|---|
| Suggested umbrella policy | $2,000,000 |
| Exposure above current limits | $1,300,000 |
| Total exposure estimate | $1,600,000 |
How to read the result
Umbrella insurers require minimum underlying limits on auto and home policies, often 250/500 auto and 300,000 home.
Umbrella cover is relatively inexpensive per million, so many advisers favour erring on the high side.
Estimates for planning only. Actual premiums and benefits depend on the insurer, policy terms and underwriting.
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Questions
Questions about this tool
The things clients actually want to know — costs, timelines, ownership and what happens after launch.
Enough to cover your net worth and some future income above your underlying limits.
Often a few hundred dollars a year for the first million, depending on risk.
People with significant assets, high incomes or higher-risk activities like pools or teen drivers.
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Tell us where you want the business to be in twelve months. We will come back with a costed plan, a realistic timeline, and the numbers we expect to move — no obligation, no jargon.
- 30-minute call, no pitch deck
- Fixed-price proposal in 48 hours
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Not a sales team
- Response time
- Within 1 business hour
- Where we work
- UK, USA & the Gulf
- Contracts
- No lock-in, monthly rolling
- Working since
- 2023