Size personal umbrella coverage to your net worth.
Open the Umbrella Liability Coverage tool →An umbrella policy adds liability protection above the limits on your auto and home insurance: the layer that protects your savings if you're sued for more than those policies cover. The common guideline is to carry at least as much umbrella coverage as your net worth, since that's what a judgment could reach.
We take your net worth (plus any extra future-income exposure you add), subtract the liability coverage you already carry, and round what's left up to the $1M layer umbrella is sold in. It's an inexpensive coverage per million, so rounding up is usually cheap peace of mind. This is a guideline, not advice; your agent can confirm the underlying limits an umbrella requires.
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