Umbrella calculator
See whether your home, auto, and umbrella liability limits line up.
Enter the liability limits you can find on your auto, property, and umbrella pages. The calculator compares the lower liability total from the policy pages you entered with your rough assets/equity range, then tells you what to send PureCover and what still needs a real policy review.
About 90 seconds No required contact info before results Not sure is okay Built for declarations-page review
Start checking liability gaps
Start with household type and a rough assets/equity range.
This is a liability review helper, not a quote, policy change, legal opinion, asset protection plan, or claim decision. Your policy, endorsements, insurance company requirements, and the actual facts control.
Calculate first
Start with the numbers on your declarations pages.
Use rough answers if needed. The result is designed to show what to review, not to tell you that a specific policy or limit is enough.
Your liability review snapshot
Start with what the numbers mean.
These numbers are review prompts. Your policy, endorsements, insurance company requirements, and the actual facts control.
Documents for this review
Still needed to review this result
Helpful if requested or already available
What the result terms mean
Enter home and auto liability limits to compare the two totals.
Uses the midpoint of your selected assets/equity range.
Checks whether the auto and property limits look low for an umbrella review.
Based on selected household details.
Your result stays on this page until you copy, open an email draft, print, share, or send it to PureCover.
What this checks
Umbrella review starts with the policies underneath it.
Lower policy-page total
The calculator compares auto liability plus any umbrella with property liability plus any umbrella, then explains the lower total.
Base policy limits
An umbrella can require the home and auto policies below it to keep certain liability limits. Low base limits become items to review.
Review-ready summary
The output creates a copy, print, email, share, and PureCover-ready checklist before any contact information is required.
PureCover answers
Common umbrella and liability questions this calculator is built to answer.
These answers explain the same review logic the calculator applies. They are not a final coverage determination.
How much umbrella insurance do I need?
A useful starting point is to compare the liability limits shown on your home or renters policy, auto policy, and any umbrella policy against a rough asset band and household details. This calculator creates a review prompt, not a final recommendation.
Why this matters: many umbrella calculators focus only on net worth. PureCover also checks whether the base home and auto limits should be reviewed with the umbrella page.
Why do home and auto limits still matter if I have umbrella?
Umbrella coverage usually sits above specific base policies, such as auto and property liability. If those base limits are missing, lapsed, or lower than the umbrella requires, the umbrella may not behave the way people assume.
Why this matters: an umbrella is not just a separate pile of money. The policies below it need to line up with the insurance company requirements.
What does underlying limit mean?
An underlying limit is the base liability limit on a policy below the umbrella, such as auto bodily injury/property damage or homeowners personal liability. The umbrella may expect those base limits to stay in force.
Why this matters: low base limits can still need review even when an umbrella policy is shown.
Should umbrella match my net worth?
Net worth is one input, but not the whole answer. Teen drivers, rental property, pets, pools, recreational assets, public-facing roles, prior claims, and future income concerns can also change the review.
Why this matters: the calculator uses an asset band plus selected household details so the result is not a one-number rule of thumb.
Is Idaho minimum auto liability enough for umbrella readiness?
Idaho minimum auto liability can satisfy the minimum legal requirement and still be low for household liability planning or an umbrella review. Minimum limits should be reviewed before relying on an umbrella setup.
Why this matters: legal compliance and household liability planning answer different questions.
Does UM/UIM count as umbrella coverage?
No. UM/UIM is a separate auto-review item that can protect your household when another driver has no insurance or not enough insurance, subject to policy terms. It does not increase your liability limit for claims against you.
Why this matters: a home + auto + umbrella review should still check UM/UIM, but it should not mix UM/UIM into the liability-to-others path.
Glossary
Terms used in this calculator.
Umbrella
Extra liability coverage that may sit above underlying home, auto, landlord, boat, or other liability policies, subject to the umbrella's terms.
Underlying or base limit
The liability limit on a policy below the umbrella. Examples include auto bodily injury liability and homeowners personal liability. Some umbrella policies require these base limits to stay at certain amounts.
Smaller shown liability amount
Another way to describe the lower liability total from the policy pages you entered. This calculator compares auto liability plus any umbrella with property liability plus any umbrella, then uses the lower total.
Split limits
Separate auto liability limits for bodily injury per person, bodily injury per accident, and property damage.
Combined single limit
One combined liability limit for covered bodily injury and property damage from an accident.
Personal liability
The home, renters, condo, or landlord liability limit that can apply when you are legally responsible for covered injury or property damage to others.
UM/UIM
Uninsured and underinsured motorist coverage. It can protect your household when another driver has no insurance or not enough insurance, subject to policy terms.
Dollar amount to review
A rough difference between the selected asset band midpoint and the lower policy-page total. It is a prompt for review, not a financial planning conclusion or a final limit recommendation.
Review request
Review and update any missing information.
We can use the summary above to review the actual home, auto, and umbrella declarations pages. Add contact details, ZIP, state, household people, lenders, mortgagees, HELOCs, HOAs, and documents below before sending.
Your calculator summary was filled in below. Add or update contact and policy details, then press Send Review Request only when you are ready.