How Big an Umbrella?

Kiplinger's Personal Finance|February 2019

How Big an Umbrella?

Having too much liability insurance is better than having too little. And it’s affordable.

Patricia Mertz Esswein

We never dreamed that a one-page story about umbrella insurance would be the top-ranked article in our monthly reader survey, but that’s exactly what happened when we tackled the topic in the July 2018 issue (see kiplinger.com/links/ umbrella). The article also generated plenty of reader mail. Many of you wrote to ask us to revisit the topic and help you determine how much umbrella coverage you need.

The worksheet on the facing page will help you come up with an estimate. But first, here’s a brief review:

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February 2019