Do you need umbrella insurance?
Answer ten yes-or-no questions about your household to see your liability exposure and a suggested starting limit.
Ten quick questions
Your result will appear here
Answer all 10 questions to see whether an umbrella makes sense for you and a suggested starting limit.
10 to go
This check is for education only and isn't a quote or a coverage recommendation. Every household is different, so talk with a licensed agent before making decisions.
What an umbrella policy does
Your home and auto policies each have a liability limit. If a serious accident or lawsuit costs more than that limit, the difference can come out of your savings, your home equity, or even your future paychecks.
A personal umbrella sits on top of those policies and pays above their limits, usually in $1 million increments. It often covers some claims your other policies don't, like libel and slander.
How we score your answers
Each yes adds to your exposure score, with extra weight on the situations that most often lead to large claims, like young drivers, pools, rental property, and recreational vehicles. Your net worth also counts, because the more you have, the more a lawsuit can reach.
The suggested limit starts from your net worth and steps up when several risk factors stack up. It's a starting point for a conversation, not a final answer.
See what an umbrella would cost you
We'll quote umbrella coverage alongside your home and auto so the limits line up and you get any available bundle savings.