Cost Guide
Umbrella insurance cost (2026)
Why $1M of umbrella liability often costs less than a monthly phone bill.
A $1M personal umbrella typically costs $200–$500 per year. That's per million. Compared to auto and home combined, umbrella is the cheapest liability protection you can buy.
Typical umbrella premium by limit
$1M umbrella · $200–$500/yr
Standard for most households with mortgages and dual income.
$2M umbrella · $350–$700/yr
Common when net worth exceeds $500K.
$5M umbrella · $800–$1,600/yr
High-net-worth or rental-property owners.
$10M umbrella · $1,600–$3,500/yr
Often written on specialty markets (Chubb, PURE).
Underlying limits required
- Auto: 250/500/100 (bodily injury/property damage)
- Home: $300K liability minimum
- Watercraft, if owned: matching liability
- Landlord dwelling: matching liability
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