Coverage Decision Tools
Liability Limits Recommender
Get a directional recommendation for bodily injury and property damage limits based on your financial picture and risk comfort.
Your profile
Include home equity and savings you want protected from lawsuits.
Suggested limits (BI/PD)
250/500/250
Bodily Injury per person / Bodily Injury per accident / Property Damage
Context
- Match liability to the assets you want to protect from judgments.
- Higher risk tolerance can justify lower limits but increases exposure.
- Consider an umbrella if net worth exceeds $1M or you have high liability exposure.
Learn more: State Minimums You Should Rethink
Ready to price it?
Find the Best Providers for Your Needs
Take this recommendation and see which of the top 10 carriers offer the best rates for your target limits.
This tool shares directional recommendations for educational purposes only and is not financial, legal, or insurance advice. Liability needs and eligibility vary by state and carrier; confirm choices with your insurer or a licensed professional.