Umbrella Insurance Calculator: How Much Do You Need?
This calculator gives you a range to talk through with us. It's a starting point, not a recommendation or a quote.
How we set these umbrella insurance ranges
| How much you'd want to protect | A range to talk through: |
|---|---|
| Under $500,000 | $1 million |
| $500,000 to $1 million | $1 million |
| $1 million to $2 million | $2 million |
| $2 million to $5 million | $3 million to $5 million |
| Over $5 million | $5 million or more |
New York's Department of Financial Services says umbrella policies typically provide limits of $1 million or more. The ranges here are our own starting points.
New York auto insurance guideUmbrella insurance calculator questions
Is this umbrella insurance calculator a quote?
No. It's a starting point for a conversation. Rates depend on underwriting.
Why do teen drivers, pools, and dogs affect how much umbrella I need?
They're common sources of liability claims, so we ask about them when we talk through a limit.
Related umbrella insurance pages
Have your current home, auto, or umbrella policy? Send a photo for a rate
It's the fastest way to a rate: one photo or PDF instead of a long form. John or Allen reads it and comes back to you.
Find your declarations page
It's usually the first page of your policy or renewal packet. You can also download it from your insurer's website or app.
Take a photo or choose a file
Lay the page flat in good light with all four corners showing. A PDF or a screenshot works too.
Send everything at once
Home, auto, and umbrella can go together. We sort them, and each policy gets its own review.