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Umbrella coverage limit planner

Compare how much umbrella coverage to consider from net worth, independently confirmed protected assets, an optional income allowance, and the lowest applicable underlying liability limit. Returns the arithmetic target, additional limit needed, and $0/$1M/$2M/$3M/$5M/$10M scenarios. This is planning, not a quote or a determination of legally exposed assets.

Your comparison

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

Net worth Assets minus debts, including property equity. Use 0 if negative. Whole US dollars.

Legally protected assets Only amounts included in net worth whose legal protection you have confirmed. Whole US dollars.

Annual household income Income included in your optional planning allowance. Whole US dollars.

Years of income to include Choose 0 for an assets-only scenario; not a garnishment estimate.

Applicable underlying liability limit Use the lowest applicable auto, home, or rental liability limit. For a single injured person under split auto limits, use the per-person limit. Do not add separate policies together. Whole US dollars.

Put your comparison to work

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

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