Published by RGC Insurance
Private, on-device calculation
Asset and liability limit estimator
Enter today's estimated values. The restored RGC method totals them, applies a 2× planning rule and rounds up to the next commonly available liability tier.
Asset total× 2Next limit tier
This is an asset inventory, not a legal net-worth calculation.
It does not subtract every debt or decide which assets a creditor could reach. Retirement protections, ownership structure, future income, household risks, available policy limits and required underlying coverage can change the right insurance structure. Use the result to start a licensed-agent review—not to reduce or replace existing coverage.
What counts
- Home equity — market value minus mortgage. For most Michigan families, the biggest line.
- Savings & investments — bank accounts, brokerage, CDs. (Retirement accounts enjoy meaningful creditor protections — one reason the tally isn't just "everything.")
- Vehicles & toys — cars, boats, campers, sleds, the classic in the barn.
- The cottage — second properties are pure equity exposure.
- Business interests — your share of any LLC or partnership.
- Future wages — the one everyone forgets: judgments can garnish income for years. Younger earners have more at stake here, not less.
The ten-minute tally
- Home value minus mortgage balance.
- Add checking, savings, and non-retirement investments.
- Add rough resale of vehicles and toys.
- Add other property equity and business interests.
- Add two to three years of household income.
That total is what a serious lawsuit reaches for — and it's almost always multiples of default auto BI limits.
The rule that follows: liability limits within reach of your number; when the number outruns policy maximums, an umbrella bridges the gap for a few hundred dollars a year. Insurance sized to assets instead of habit — that's the whole trick.