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Umbrella

How much umbrella insurance should I carry in Georgia?

The right umbrella limit equals or exceeds your net worth — home equity, investment accounts, retirement savings, and your future earning capacity. For most North Atlanta families, $1 million is the starting point. Families with significant equity in a home, substantial retirement savings, or high-income careers should consider $2 million to $3 million. Each additional $1 million of coverage costs roughly $75 to $100 per year after the first million. A $3 million umbrella costs roughly $300 to $450 per year total for most standard households — coverage for a serious auto accident or premises liability claim that could otherwise wipe out decades of savings.

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