Specialty Coverages

SPECIALTY UMBRELLA

Life is unpredictable, and as much as you plan, there’s always something around the bend that never crossed your worried mind.

If the unexpected occurs, do you have enough liability limits to protect you and your family’s assets the way you want?

If you were found liable for an accident, would your current liability limits cover the judgment against you, or could your assets be at risk? With a Personal Umbrella policy from Hogue Insurance Agency, you’ll have additional liability limits over and above those provided by your underlying policies. Your assets, as well as your future earnings, are covered.

UMBRELLA INSURANCE

To get a better sense of what Umbrella insurance is and how it would work, it helps to think about it in action.

Say you’re held liable for causing a car accident with multiple vehicles, and the cost to cover the damages and injuries is $650,000. However, the liability limits on your Auto policy are only $500,000.

In this case, your insurance would pay only $500,000 for the entire accident, and you would be responsible for the remaining $150,000 out of your own pocket!

With a Personal Umbrella policy, however, you could extend your liability limits beyond the maximum provided by your underlying policies. In this case, an Umbrella policy would provide liability limits above the $500,000 limit of your Auto policy, up to the limit you choose for your Umbrella policy (typically anywhere from $1 million up to $5 million in coverage). In other words, you wouldn’t be left paying the remaining $150,000.

ADDED BENEFITS WITH UMBRELLA INSURANCE

Besides providing increased liability limits, a Personal Umbrella policy can fill gaps in your coverage with added benefits, such as:

  • Coverage for claims that may not be covered by your underlying Homeowners, Auto, or Watercraft liability policies, such as libel, slander, orb defamation of character.
  • Coverage anywhere in the world.
  • Coverage for defense costs and attorney fees associated with claims against you that are covered by your Personal Umbrella policy, but not by your primary policies.
FLEXIBLE BOAT INSURANCE

We offer the most innovative boat insurance in the industry, with Marine Choice packages for any boater! You get the coverage you want at a price that fits – all in one package deal.

Boats and personal watercraft are big investments, but if you love being out on the water, you know they’re worth it. Protect your hard-earned investment with trusted coverage that’s uniquely designed with the boat lover in mind, not with some standard coverage or add-on to your Homeowners insurance.

Get the boat insurance that goes beyond the basics and gives you all of the options you want in one package.

FLEXIBLE BOAT INSURANCE PACKAGES

We are proud to offer a variety of industry-leading packages for Boat insurance in Dallas, to give you more choices and more options in the simplest way possible. Just pick the marine package that fits your lifestyle and budget, and get the coverage you want all in one.

Marine Choice Saver Package
Perfect for the price-conscious boater who wants solid coverage at an affordable cost. One of easiest packages of boat insurance in Dallas.

Marine Choice Plus Package
The most popular Boat insurance package for a reason! Includes unique features like Agreed Value Settlement, Diminishing Deductible, Hurricane Haul-Out, and more.

Marine Choice Elite Package
For those who want the most coverage to protect their boating lifestyle. We’ve taken the “Plus Package” and added Dinghy coverage, Boat Lift and Hoist coverage, Bahamas and Mexico navigation, Tournament Fee reimbursement, Loss Forgiveness, and much more!

Pontoon Package
A lower-cost option for pontoon owners that provides settlement on an Actual Cash Value basis (the value of your pontoon, less any depreciation over time).

Pontoon Elite Package is also available for those who want to make sure they have the best coverage for their pontoon. This includes many of the same features in our Marine Choice Elite package.

Classic Package
For older boats that need essential coverages at a great price.

Classic Elite Package is also available for the proud, vintage boat owner. Built for anyone with a 26+ year old historic, collector or antique boat, who wants added coverage and benefits.

Performance Package
For boats that were built to go fast, but may not need extra coverages and features.

Performance Elite Package is also available and provides added coverages like Boat Lift and Hoist coverage, Trip Interruption (coverage for lodging, meals, transportation, etc.), Bahamas navigation, and more.

Personal Watercraft Package
All types of personal watercraft can benefit from this package! It has several optional coverages to make sure everything is insured at a great price.

Contact us today to learn more about the available Specialty Coverages insurance in Dallas, and get a personalized quote.

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