How Much Umbrella Coverage Do You Need?: by net worth
2026 law · reviewed September 7, 2026
| Net worth outside retirement | Future income a judgment could reach | Total exposure | Gap above auto and home limits | Umbrella to add |
|---|---|---|---|---|
| $500,000 | $305,782 | $805,782 | $505,782 | $1 million |
| $1,000,000 | $305,782 | $1,305,782 | $1,005,782 | $2 million |
| $1,500,000 | $305,782 | $1,805,782 | $1,505,782 | $2 million |
| $3,000,000 | $305,782 | $3,305,782 | $3,005,782 | $4 million |
The umbrella called for at four levels of net worth outside retirement accounts, each with $150,000 a year for 20 years (15% reachable, discounted at 4%) and $300,000 of auto and home liability (hypothetical assumptions; method reviewed September 7, 2026).
Educational only, not investment, tax, or legal advice. Results are hypothetical estimates that vary with each use and over time and are not guaranteed accurate or complete. Using this tool creates no client relationship with Considerate Capital, and the site that linked here is not affiliated with it. By using it you agree to the tool terms.