Definitely hundreds, mine is $372/yr for $1M/instance, atop my auto/home coverage (250/500 for the auto). The thing about it is: your risk doesn't change becau

Definitely hundreds, mine is $372/yr for $1M/instance, atop my auto/home coverage (250/500 for the auto). The thing about it is: your risk doesn't change because you have extra coverage. All that actuarial work is priced into your base coverage. In fact, they may even have factored in that people willing to voluntarily buy umbrella coverage are a little less risky than their model predicted.