"Am I Underinsured?" Coverage Limit & Umbrella Advisor
Most Americans carry dangerously low liability minimums that can lead to home liens or wage garnishment after an at-fault accident. Evaluate your real asset exposure.
Asset Exposure & Safe Threshold Assessment
Input your household profile to generate custom liability recommendations.
Why This Level Is Recommended
- Owning a home makes you a target for lawsuits following a severe at-fault accident.
- 100/300/100 is the required benchmark before buying an umbrella policy.
Umbrella Policy Shield
A $1,000,000 Personal Umbrella Policy costs roughly $180–$280/year and shields your retirement and home against catastrophic multi-car or injury claims.
Why State Minimum Limits Are Dangerously Outdated
In states like California, statutory property damage limits were set decades ago at just $5,000. In Florida and New York, it is only $10,000. The average new vehicle in America now costs over $48,000. If you accidentally rear-end a Tesla or cause a multi-vehicle pileup, your insurer pays $10,000 and leaves you personally responsible for the remaining $38,000 balance.