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Umbrella Adequacy Screener

Answer nine questions about your household's balance sheet, exposures, and current umbrella program. The screen returns a sizing benchmark, exposures to discuss, and possible gaps to check against the policy. It cannot establish that a limit is adequate or that an attachment gap exists. Everything runs in your browser; nothing you enter leaves it.

When the number sits on a line between ranges, pick the higher one.

Use this screen for your household or an advisor’s client. We can review the underlying policies and discuss umbrella options.

Request an umbrella review

How to use the sizing benchmark

This screen rounds the selected net worth range up to its top as a starting point for discussion. It is a screening rule, not a contractual requirement or a complete liability assessment. Future income, reachable assets, state law, household exposures, and the coverage actually available can change the decision.

The questions flag young drivers, rentals, watercraft, board service, and household employees for review. A higher limit alone does not resolve an excluded exposure. Check the actual policy before treating any result as confirmation of coverage.

Check the underlying requirements

Compare the umbrella’s schedule of underlying insurance and required liability limits with the current home, auto, and other relevant policies. A lower underlying limit can leave an amount the household must fund, but the umbrella contract determines how a shortfall is treated. The screen’s thresholds are prompts to check the documents, not proof that a gap exists.

For rentals, watercraft, and short-term hosting, confirm how each exposure is covered by the underlying policy and the umbrella. Check required schedules, endorsements, exclusions, ownership, and use. Some situations need separate coverage; do not assume that every exposure requires a standalone policy or that adding a higher limit resolves an exclusion.

If a policy or carrier changes, check the umbrella requirements again before relying on the new arrangement. This screen identifies documents to review; it does not confirm coverage. Current as of August 2026 and reviewed quarterly.

Common questions

Is this a recommendation?
No. It uses the upper end of the selected net worth band as a screening benchmark, then flags exposures to discuss. That benchmark is not a required or sufficient limit. The actual decision depends on exposures, reachable assets, state law, and policy terms. Confirm the underlying requirements in the umbrella contract.
What is an attachment gap?
A potential gap arises when the liability insurance underneath an umbrella does not meet that umbrella’s requirements. Depending on the contract, the household may have to fund part of a loss. Compare the actual underlying limits with the umbrella’s schedule and shortfall provisions. This screen can identify a reason to check; it cannot confirm the gap or its treatment.
Is anything I enter stored?
No. The screen runs entirely in your browser. Nothing you enter is sent to a server, stored, or logged, and no client name is asked for anywhere.
Why does a board seat need its own look?
Board service raises questions about the organization’s directors and officers coverage, indemnification, and any protection in the person’s own policies. Personal umbrella treatment varies. Read the relevant exclusions and endorsements, and check the organization’s D&O limits and whether they are shared. A personal umbrella limit alone does not establish coverage for the role.
How is Aligned Path compensated?
By the carrier, when a policy is placed. Your firm pays us nothing, and there is no fee to you or your client for a screen or a review. Carrier compensation is a real conflict, so we manage it with a process: cases are shopped across the lineup for fit, options are presented in plain language, and the client decides on their own timeline.

If the screen raises a question, send the umbrella policy and the underlying home and auto declarations pages, with endorsements, for review. We can compare the requirements, discuss available limits, and identify policy terms that need a closer look.

Read the umbrella insurance guide