“Do I really need umbrella insurance?”
You need it the moment your assets exceed your liability coverage. At $180K–$400K household income with a paid-off home, a teenage driver, and a pool — that gap opened years ago.
The math is unambiguous.
A household earning $250K with a $600K home and $400K in retirement accounts has roughly $1.2M in attachable assets. A single serious lawsuit can seize wages, liquidate investments, and place liens on property — in the same afternoon.
“What does umbrella insurance actually cover?”
An umbrella policy doesn't replace your existing coverage — it stacks on top. The moment your auto, home, or watercraft liability limit is exhausted, Shield takes over. It also covers categories your underlying policies don't touch at all.
“How much does $2M in coverage actually cost?”
Less than your streaming subscriptions. Here's what a $2M umbrella policy actually costs, benchmarked against what you already spend without thinking about it.
Monthly spending comparison
* Premium estimates based on a household in a mid-tier state with 2 vehicles, 1 home, and no major claims history. Actual rates vary by state, carrier, and risk profile.
Coverage tiers & pricing
$2M of coverage costs $1.04 per day.
That's less than a toll. Less than a parking meter. Less than the depreciation on your car while you sleep. The actuarial math is simple: the risk-adjusted cost of a lawsuit is catastrophically higher than the premium.
See exactly where
your coverage ends.
Three questions. Two minutes. A clear picture of the gap between what you have and what a lawsuit would require. No commitment, no sales pressure — just the math.