We'll use this to show your state's legal minimum auto liability requirement — the floor your protection can't fall below.
Question 1 of 6
Do you own or rent your residence?
This tells us whether to ask about other property you own.
Question 2 of 6
What's the market value of your home?
A rough estimate is fine — this helps size the assets a liability claim could reach.
$550,000
$100K$3M+
Question 3 of 6
Do you own any other property?
Rental homes, vacation property, land, or a second residence.
$250,000
$25K$2M+
Combined value of all other property.
Question 4 of 6
Estimated value of your other assets?
Savings, retirement accounts, investments, and business interests.
Question 5 of 6
What are your current auto liability limits?
Check a recent policy declarations page if you're not sure.
Question 6 of 6
Licensed drivers in your household?
Include everyone who regularly drives your vehicles.
Your results
Here's where you stand.
Assets vs. Protection
Current liability protectionExposure gap
Total estimated assets at risk
$0
Current liability protection
$0
THE EXPOSURE GAP
$0
Recommended umbrella policy
$1,000,000
01An at-fault judgment isn't capped at your policy limit — it can reach your savings, home equity, investments, and even future wages until it's satisfied.
02Your state's minimum is a legal floor to register a vehicle, not a protection plan. It was set to meet a licensing requirement, not to reflect what you actually own today.
03As your assets grow — home equity, retirement savings, investments — the gap between what you own and what your policy protects grows right along with it, usually without anyone noticing.
This tool provides an educational estimate only. It is not an insurance quote, and not legal or financial advice. Actual coverage needs depend on your full financial picture and should be confirmed with a licensed agent.
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