The Power of Umbrella Insurance: Extra Protection Beyond the Basics

Most people carry auto, home, or renters insurance—but what happens if a major accident or lawsuit costs more than your standard policy covers? That’s where an umbrella policy comes in, providing an extra layer of protection for you, your family, and your assets.

What Is Umbrella Insurance?

Umbrella insurance is additional liability coverage that goes above and beyond your regular policies. It kicks in when the costs of an accident, claim, or lawsuit exceed the limits of your auto, home, or renters insurance.

For example:

• A serious car accident where medical bills exceed your auto policy limit

• Someone injured on your property who sues for more than your homeowners covers

• Legal defense costs in a lawsuit

An umbrella policy steps in to cover those excess costs, protecting your savings, home, and future income.

Key Benefits of an Umbrella Policy

• Higher Liability Protection – Often provides coverage in $1 million increments

• Peace of Mind – Protects against lawsuits and unexpected claims

• Affordable Coverage – Extra protection at a surprisingly low cost

• Broader Coverage – May cover claims not included in standard policies, like libel or slander

Why You Should Consider It

If you own a home, have significant savings, run a business, or simply want stronger protection for your family, an umbrella policy is one of the most cost-effective ways to safeguard what you’ve worked hard to build.

At Lexi Insurance Connect, I help families and individuals find the right umbrella coverage to fit their lifestyle and financial goals. With access to 30+ carriers, I’ll connect you with protection that gives you confidence—rain or shine.