Why Use Our Umbrella Insurance Calculator?

• Instant Quotes: Receive fast, accurate cost estimates from leading umbrella insurance companies.

• Wide Coverage Options: Access plans that extend liability protection beyond your auto, home, or renters policies.

• Affordable Rates: Compare competitive pricing to find coverage that fits your budget.

• Easy-to-Use Tool: Customize your options for personal or business coverage in just minutes.

• Trusted Providers: Select from carriers with a strong reputation for customer service and financial stability.

How Much Does Umbrella Insurance Cost in 2025?

Umbrella insurance remains one of the most cost-effective ways to secure high-limit liability protection. Here’s what you can expect to pay:

Some sources report averages up to $380 per year for $1 million of coverage, depending on your risk profile and insurer. Each additional $1 million in coverage typically costs $50 to $75 more per year.

Factors Affecting Umbrella Insurance Costs

Several factors influence your umbrella insurance premium:

• Coverage Amount: Higher limits mean higher premiums, but each additional million is less expensive than the first.

• Number of Properties & Vehicles: More assets mean increased risk and potentially higher premiums.

• Household Drivers: Young or multiple drivers, especially teens, can increase costs.

• Location: Rates vary by state and city due to local risk factors and litigation trends.

• Claims History: Past liability claims or driving violations can raise your rates.

• Underlying Policy Limits: Insurers require minimum liability coverage on your home and auto policies—often $300,000 for homeowners and $250,000/$500,000 for auto—before you can add umbrella coverage.

• Credit Score: In some states, a better insurance credit score may lower your premium.

• Bundling Discounts: Purchasing umbrella insurance from your current home or auto insurer can result in discounts.

How to Use Our Umbrella Insurance Calculator

1. Enter Your Details: Provide information about your existing home, auto, or renters policies, assets, and coverage needs.

2. Review Your Options: Instantly compare quotes from top umbrella insurance providers.

3. Select Your Plan: Choose the plan that best aligns with your asset protection goals.

4. Secure Your Coverage: Finalize your policy online or contact a Blake Insurance Group agent for personalized support.

How Much Umbrella Insurance Do You Need?

To determine your ideal coverage amount:

• Calculate your net worth: Add up your home equity, savings, investments, and other assets.

• Assess your risk profile: Consider factors like owning rental properties, a swimming pool, or having teenage drivers.

• Review existing liability limits: Check your current home and auto policy limits.

• Choose coverage at least equal to your net worth: Many experts recommend matching your umbrella limit to your total assets for full protection.

Top Umbrella Insurance Providers

Why Umbrella Insurance Matters

Umbrella insurance provides an extra layer of liability protection, covering claims that exceed your home or auto policy limits. It can help pay for legal fees, medical expenses, and damages from lawsuits, including those for personal injury, property damage, libel, slander, and more.

Get Your Umbrella Insurance Quote Today

Protect your assets and secure peace of mind in minutes. Use our updated Umbrella Insurance Calculator to compare rates, explore coverage options, and find the right policy for your needs.

Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon–Fri 9:00 am to 5:00 pm
Sat–Sun: Closed

Blake Insurance Group is committed to helping you find comprehensive, affordable liability protection for life’s unexpected moments. Start exploring your options today