Umbrella Insurance Calculator 2026
Free umbrella insurance calculator. Extra liability protection starting at $150-300/year for $1 million in coverage.
☂️ Umbrella Insurance Calculator 2026
Umbrella insurance provides extra liability coverage beyond your auto and home policies. A `$1M umbrella policy costs just `$150-300/year. Each additional `$1M costs about `$75-100 more. You need umbrella insurance if you have assets to protect or engage in activities that increase liability risk (pool, trampoline, rental properties, teen drivers).
Umbrella Insurance Costs
| Coverage | Annual Cost |
|---|---|
| `$1 Million | `$150-300 |
| `$2 Million | `$225-400 |
| `$3 Million | `$300-500 |
| `$5 Million | `$450-700 |