Your Liability
Umbrella Gap Illustrator
See what portion of what you own sits above your current home and auto liability limits.
Calibrate
Drag to set each value — estimates are fine.
Home equity, savings, investments, and other assets minus debts — a rough figure is fine.
Courts can garnish future wages in some states. Optionally add a few years of income.
The personal-liability limit on your homeowners or renters policy (often $100k–$500k).
Your bodily-injury per-accident limit (the second number in e.g. 100/300).
ICC Team
Insurance Confidence Center
A number is a starting point. Walking through what it means for your actual policy is the part that changes anything.
What this means for you
Get a plain-English summary of your reading.
Levers that move this
- Approximate net worth
- Future income to consider (optional)
- Home personal-liability limit
- Auto liability limit (per occurrence)
Drag these dials above to see the effect instantly.
Get the full write-up
The assumptions behind the figure, the method, and the disclosures that go with it.