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Standalone umbrella vs. bundle calculator

Compare the total cost of keeping existing home and auto insurance with standalone umbrella coverage versus moving all three to a bundle. Enter annual net premiums, required underlying-limit upgrades, and one-time switching cost. Returns first-year and multi-year totals, savings, and the first whole break-even year. Flags unverified coverage comparability; no carrier prices are invented.

Your comparison

Start with the example inputs below, then replace them with your own figures. No name, email, or phone number is needed.

Enter annual premiums for equivalent coverage. Double six-month premiums or multiply monthly premiums by 12. Include required limit upgrades and use quotes after discounts.

Annual premium for the auto policies you would keep. Double a six-month premium; multiply a monthly premium by 12. Whole US dollars.
Annual premium for the home, renters, or rental policies you would keep. Whole US dollars.
Annual standalone umbrella quote at the limit you want. Whole US dollars.
Additional annual cost to meet standalone umbrella requirements. Whole US dollars.
Additional annual cost to meet standalone umbrella requirements. Whole US dollars.
Annual replacement auto quote, after discounts, with required limits. Double a six-month premium; multiply a monthly premium by 12. Whole US dollars.
Annual replacement home quote, after discounts, with required limits. Whole US dollars.
Annual bundled umbrella quote at the same limit. Whole US dollars.
Additional nonrefundable cost of moving to the bundle; exclude refunded or overlapping premiums. Whole US dollars.
Assumes unchanged annual premiums across this period.
True only after comparing limits, deductibles, exclusions, insured risks, and claims terms.

Put your comparison to work

Use these figures to discuss coverage with an agent, or compare umbrella options with Coverage Cat.

Compare umbrella quotes Estimate umbrella premiums