Most people carry a 1 to 2 million dollar umbrella insurance policy which costs around $380.00 to $400.00 per year depending on the insurance company.
So if you were to carry a 5 million dollar umbrella insurance policy then it would cost around $1,900.00 to $2,000.00 per year.
That is still pretty reasonable in cost and you may pay a bit more depending on the insurance company or even a bit less.
Your credit score will also factor into the cost of the insurance premium you pay for the 5 million dollar umbrella insurance policy.