Insurance Confidence Center
Insurance Confidence Center
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How this is calculated

Umbrella Gap Illustrator

Subtracts each stated liability limit from your stated assets (net worth plus an optional future-income figure) to illustrate what would sit above each limit in a claim that exceeded it.

Step by step

  1. Assets considered = your approximate net worth plus the optional future-income figure you enter.
  2. Exposure above each policy = assets considered minus that policy's liability limit (never below zero).
  3. The headline is the larger of the home and auto exposures.

The formula

Exposure = max(0, (net worth + future income) − liability limit), per policy.

Important disclosures

  1. This tool is educational only. It illustrates potential exposure using the assumptions shown — it is not insurance advice, a price, or an offer of coverage, and it does not determine whether any coverage amount is right for you. Policy language varies; review your actual policy and discuss your situation with a licensed insurance professional.
  2. Actual exposure in a lawsuit depends on state law (including homestead, retirement-account, and wage protections), the nature of the claim, and the judgment amount — none of which this simple subtraction reflects.
  3. This tool does not determine whether an umbrella policy or any liability limit fits your situation.

Now that you can see the method, the numbers are worth a conversation.

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