This depends on a number of different factors, which we'll discuss below.  An umbrella policy, for someone that has 3 vehicles and one home, costs $719 a year. This includes uninsured/underinsured coverage as well (not all umbrellas come standard with uninsured/underinsured).  The price of the umbrella will depend on a few things How many vehicles you own How many properties you own How many drivers are in the household Driving records If you have a pool These are the main factors that will affect the price of your umbrella policy.