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How much umbrella insurance do I need?
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A $1M umbrella is a sensible place to start the conversation.
Roughly $810k could be reached in a serious lawsuit (equity, savings and about three years of income), against $300k of underlying liability. An umbrella looks worth pricing.
What's at risk
Protection: underlying + umbrella
Home / auto liability Umbrella
An illustration, not advice. Which assets a lawsuit can reach depends on the facts and the law; ask an attorney about asset protection.
How the sizer estimates exposure
A serious liability claim — a crash that injures someone, a guest badly hurt at your home — can exceed your home or auto liability limit. When it does, what's left can be pursued from your assets and future income. The sizer adds home equity, savings and roughly three years of income as a simple proxy, then compares that with your underlying limit.
Exposures such as a teen driver, a rental property, a pool or a boat raise the starting point. Learn more on umbrella insurance in Washington or take the five-question umbrella test.
Frequently asked questions
Why doesn't the sizer show a price?
Umbrella pricing depends on the carrier, the number of homes, cars and drivers, and your underlying policies. We'd rather give you a real quote than a made-up number.
Do I need higher auto and home limits to buy an umbrella?
Usually. Umbrella insurers require minimum underlying limits on your home and auto policies.
Keep exploring
- Umbrella insuranceUmbrella insurance adds $1 million or more of liability protection above your home and auto policies. What a personal umbrella policy covers, who needs one, and how much to buy.
- Do I need umbrella insurance?A plain-language test for whether you need umbrella insurance: assets, future income, teen drivers, rentals, pools, boats and dogs.
- Home + auto bundleBundle home and auto insurance with a local Federal Way agent. When bundling saves money, when it doesn't, and how home + auto + umbrella work together.
- Household coverage map
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