Umbrella policy analyzer
Analyze your umbrella policy
Upload your umbrella policy and see your limit, your retained limit, and the coverage it expects underneath on your home, auto and boat.
- Free, no account needed
- Required underlying limits, in plain English
- Questions to ask your broker about each finding
What kind of policy is it?
Best results: your declarations page, usually the first 1–3 pages of the policy. The full policy gives a more complete picture.
This is an automated, educational tool
This educational tool uses automated analysis, including AI, to help explain the documents you upload. It may make mistakes or miss important provisions. A declarations page alone generally does not include all policy terms, exclusions, or endorsements. Information not shown should not be assumed to be covered or excluded. Review the complete policy with a licensed insurance professional before making coverage decisions.
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What your breakdown looks like
An example of the plain-English report you’ll get. Upload your own policy above to see yours.
Carrier
Lakeshore Mutual
Limit
$2,000,000
Premium
$612/yr
Renews
Nov 15
What we found
Requires $250K / $500K auto liability underneathCheck
If your auto policy carries less, you’d pay the difference before the umbrella starts.
Ask your broker: Do my auto limits meet this umbrella’s minimum?
No retained limit where underlying insurance appliesLooks good
A $0 retained limit means nothing extra to pay before it kicks in on covered claims.
Ask your broker: What’s the self-insured retention where nothing underneath applies?
Excess uninsured motorist not includedCheck
Your own injuries from an uninsured driver stop at your auto policy’s limit.
Ask your broker: Can I add excess uninsured motorist coverage?
Limits and deductibles
- Umbrella limit
- Each occurrence
- $2,000,000
- Retained limit
- Where underlying applies
- $0
- Self-insured retention
- No underlying policy
- $1,000
- Required: home liability
- Underneath
- $300,000
- Required: auto liability
- Underneath
- $250K / $500K
Read from your document. Check anything that looks wrong against the original.
Want someone to look at this with you?
A licensed broker can confirm what we found and quote changes.
How it works
- 1
Upload your document
Your declarations page, usually the first 1–3 pages of the policy. The full policy gives a more complete picture.
- 2
We read every limit and deductible
Coverages, liability and every deductible, along with the endorsements the page lists.
- 3
Get a plain-English breakdown
What’s covered, possible gaps, and questions to ask your broker.
What we check on umbrella policies
- Umbrella limit
- Retained limit or self-insured retention
- Required underlying limits
- Who in the household is covered
- Watercraft and rental exposures
- Notable exclusions
Your documents stay yours
- We use your upload to create your breakdown.
- We don’t send your policy to carriers or brokers.
- It’s only added to an account if you create one.
Questions
Will it show what my umbrella requires underneath?
Yes, when the declarations page lists a schedule of underlying insurance: the minimum home, auto and boat limits the umbrella expects.
What is a retained limit?
What you pay before the umbrella starts on a claim nothing underneath covers. Where your home or auto policy applies, it is often $0.
What should I upload?
The declarations page is the most useful: it lists your limits, deductibles and endorsements. The full policy adds exclusions and definitions.
Is it really free?
Yes. There’s no charge and no account needed to see your breakdown.
How accurate is it?
It’s an automated reading, including AI, and it can make mistakes or miss provisions. Check anything that looks wrong against your document, and review the complete policy with a licensed insurance professional before making coverage decisions.
Will a broker or carrier contact me?
No. We don’t send your policy to carriers or brokers. We only email you if you give us your address to receive your report.
Can I analyze more than one policy?
Yes. Upload each one separately. With a free account you can keep them together and see how the limits line up.