Liability Adequacy Calculator
Find out how much liability coverage you actually need based on your assets, income, and family situation
Why This Matters
Most people choose liability limits based on price, not protection. This calculator shows you what you'd lose in a worst-case scenario—and recommends coverage that actually protects your assets and future earnings.
Tell Us About Your Situation
Your Assets
Current market value of your home
Bank accounts, stocks, bonds, etc.
401(k), IRA, pension value
Combined household income
Your Driving Exposure
Drivers under 21 increase accident risk
Your Occupation
Business owners and public figures face higher lawsuit risk