Umbrella Calculator

Add up what a lawsuit could realistically reach, compare it to the liability limits you carry now, and see the gap. Nothing is stored.

Your name

Date

Step 1

What a claim could reach

Enter round numbers. This is about scale, not the penny. Leave a row blank if it does not apply.

Home equity Market value minus what you still owe

Cash: checking, savings, CDs

Non-retirement investments Brokerage accounts, crypto, stocks held outside a 401(k)/IRA

Retirement accounts 401(k), IRA, pension. Often creditor-protected, but list it

Vehicles, boats, RVs, other property Anything titled in your name, minus loans

529 / education savings

Future income exposed A judgment can garnish wages. A rough figure: yearly take-home × 5

Other assets Rental property equity, a business interest, collectibles

Estimated exposure $0

Step 2

What you carry now

From your declarations pages. The bodily-injury liability limit on auto and the personal-liability limit on home.

Auto bodily-injury liability Often written 250/500. Enter the per-accident number (e.g. 500,000)

Homeowners personal liability Usually 100,000 to 500,000 (Coverage E)

Your current ceiling $0

What an umbrella actually costs

A $1,000,000 personal umbrella is commonly $150 to $300 a year, and each additional million is usually $75 to $150 on top of that. Carriers require your underlying auto and home liability to be at set minimums first. Exact pricing depends on drivers, homes, vehicles and history.

Sends your numbers and the recommended limit straight to Andrew. Nothing leaves your browser until you press the button.

Andrew Markuson Insurance LLC

Independent agent, multiple carriers.

TN Lic. #3003711340 · FL Lic. #W060133

Not Sure Which Limit Is Right?

Send me the numbers and I will price a $1M, $2M and $5M umbrella against your policies.

Call 615-241-0150