How much liability protects my net worth?

Rule of thumb: liability limits at or above your net worth plus expected future income.

Enough liability coverage?

How Much Personal Liability Coverage Do You Need? (US)

Standard $100k is often too low. $300k–$500k costs $10–$30/year more; umbrella $1M costs $150–$300.

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The short answer

Standard HO liability is $100k — dangerously low relative to modern judgments. Bumping to $300k or $500k typically costs $10–$30/year. For anyone with meaningful assets, income, or a pool/dog/teen driver, a $1M umbrella policy ($150–$300/year) sits above the underlying limit and covers auto too.

Frequently asked

How much liability protects my net worth?: Rule of thumb: liability limits at or above your net worth plus expected future income.

Your policy is the only source of truth

Stop guessing. Check your actual policy.

Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.

Upload your policy$3 per analysis · $9 for all 4 tools · No subscription