Terms of Use

The estimator on UmbrellaNeed applies a standard heuristic (net worth, 10 times income, plus risk add-ons). It is for information and education only and is not insurance, legal or financial advice.

Results are estimates based on simplified assumptions. Before buying any policy, confirm underlying-limit requirements and pricing with a licensed agent or insurer in your state.

We are not liable for any action taken based on these tools.