Let's calculate your total assets

This helps determine how much you have at risk in a lawsuit

Primary Home Value

Mortgage Balance

Savings & Investments Include 401k, IRA, stocks, bonds, savings accounts

Other Valuable Assets Rental property, boats, RVs, collectibles, business interests

Income and future earnings potential

High earners are often targets for larger lawsuits

Annual Household Income

Years Until Retirement

Professional Status Some professions face higher lawsuit risks

Your current liability limits

Check your auto and home policies for these amounts

Auto Insurance Liability Limit The per-person bodily injury limit

Homeowners/Renters Liability Limit

Current Umbrella Policy

Your Umbrella Policy Analysis

Based on your assets and risk factors, here's our assessment

Your Liability Risk Level

Low Moderate High Critical

💰 Total Asset Exposure

Your total assets at risk in a lawsuit

⚠️ Coverage Gap Analysis

🎯 Our Recommendation

📊 Your Risk Factors

💵 Estimated Annual Cost

$0 - $0

For recommended umbrella coverage

Based on your profile and risk factors
Actual cost depends on carrier and exact circumstances
Often less than $1/day for $1M coverage

✅ Umbrella Policy Benefits

Covers lawsuits exceeding auto/home limits
Provides legal defense coverage
Protects future earnings and assets
Covers incidents worldwide
Includes libel, slander, and defamation
May cover incidents not covered by other policies

Real-World Scenarios Where Umbrella Coverage Helps

Ready to protect your assets?

Get a personalized umbrella policy quote from Bill Layne Insurance

📞 Call (336) 835-1993

Umbrella Policy Calculator