One serious lawsuit can reach past your auto and home limits — straight to your savings, home equity, and future paychecks. An umbrella adds an extra layer of protection for surprisingly little. See how much of your net worth is exposed right now.
Often about $1/day per $1M of protection · No cost to compare
Set what you'd want to protect and your current liability limit, then check the risks that apply. We'll show what's exposed today, a recommended umbrella limit, and roughly what it costs.
Nothing is stored or shared. Rough estimates are fine.
Illustrative only — recommended limits and premiums vary by carrier, assets, exposures, and state. This is not advice or a quote; your First Underwriters broker tailors the right limit to your situation.
An umbrella sits on top of your auto and home policies — and covers a few things they don't. Click each to see how it protects you.
We don't work for an insurance company — we work for you. That means honest advice on how much protection you actually need, and someone who answers when it matters.
We assess your assets and exposures to recommend a limit that actually protects you — not too little, not overpriced.
An umbrella only works when your underlying auto and home limits qualify. We coordinate all of it so there are no gaps.
If you're ever sued, you're not alone. We help coordinate defense and advocate for you when the stakes are highest.
Share a few details and a First Underwriters broker will recommend the right umbrella limit and follow up — usually within one business day.
A First Underwriters broker will reach out shortly, usually within one business day, to recommend the right umbrella limit and answer your questions.
First Underwriters Insurance Brokers is an independent brokerage. This page — including the interactive Coverage Gap Analyzer — is for general education only and is not an insurance quote, binder, or offer of coverage. Recommended limits, available coverage, eligibility, and premiums vary by carrier, applicant, and state, and require qualifying underlying policies. Coverage is subject to policy terms, conditions, and exclusions.
