Enter home and auto liability limits to compare stacks.
Umbrella calculator
See whether your home, auto, and umbrella liability limits line up.
Enter the liability limits you can find. The calculator shows your lowest shown liability stack, a visible asset-gap check, underlying-limit flags, selected facts to verify, and the documents PureCover would need for a real review.
About 90 seconds No required contact info before results Not sure is okay Built for dec-page review
This is a liability review helper, not a quote, policy change, legal opinion, asset protection plan, or claim decision. Your policy, endorsements, carrier rules, and legal 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, carrier requirements, and legal facts control.
Uses the midpoint of your selected asset band.
Compares entries to common public umbrella examples.
Based on selected household facts.
Documents to gather
What this checks
Umbrella review starts with the policies underneath it.
Lowest shown liability stack
The calculator compares auto liability plus umbrella against property liability plus umbrella, then explains the smaller shown stack.
Underlying limits
An umbrella can require home and auto limits to stay at certain levels. Low base limits become review flags.
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 your shown home and auto liability stacks against assets, future income concerns, and selected household facts. This calculator shows a review gap, not a final recommendation.
Why this matters: public umbrella calculators often focus on net worth. PureCover also checks whether the underlying home and auto limits are ready for an umbrella conversation.
Source: PureCover Insurance Home + Auto + Umbrella Liability Gap Check.
Why do home and auto limits still matter if I have umbrella?
Umbrella coverage usually sits above specified underlying policies. If the underlying home or auto limits are missing, lapsed, or lower than required, the umbrella may not behave the way people assume.
Why this matters: an umbrella is not just a separate pile of money. The policies underneath it need to line up with carrier requirements.
Source: PureCover Insurance Home + Auto + Umbrella Liability Gap Check.
What does underlying limit mean?
An underlying limit is the liability limit on a policy beneath 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 underlying limits can create an umbrella-readiness problem even when an umbrella policy is shown.
Source: PureCover Insurance Home + Auto + Umbrella Liability Gap Check.
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 facts so the result is not a one-number rule of thumb.
Source: PureCover Insurance Home + Auto + Umbrella Liability Gap Check.
Is Idaho minimum auto liability enough for umbrella readiness?
Idaho minimum auto liability is a legal floor, not an umbrella-readiness target. Minimum limits can be far below common public umbrella-underlying examples and should be reviewed before relying on an umbrella setup.
Why this matters: legal compliance and household liability planning answer different questions.
Source: PureCover Insurance Home + Auto + Umbrella Liability Gap Check.
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.
Source: PureCover Insurance Home + Auto + Umbrella Liability Gap Check.
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 limit
The liability limit on a policy below the umbrella. Examples include auto bodily injury liability and homeowners personal liability.
Lowest shown liability stack
The smaller shown stack after comparing auto liability plus umbrella and property liability plus umbrella, assuming the umbrella applies above that policy.
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.
Review gap
A rough difference between the selected asset band midpoint and the lowest shown liability stack. It is a prompt for review, not a financial planning conclusion.
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 ZIP, state, household people, lenders, mortgagees, HELOCs, HOAs, and documents below before sending.
Your optional details and calculator summary were filled in below. Review the form and press Send Review Request only when you are ready.