Foley Insurance Group

We provide a variety of insurance options, allowing us to compare rates and find the best coverage that suits your specific needs and budget for both auto and home insurance.

Yes, we offer farm insurance. Our agency provides multiple options with competitive rates to protect your agricultural assets and operations.

We do offer commercial and business insurance. Our agency provides a range of competitively priced options to safeguard your business interests.

Most homeowners insurance policies cover roof damage when it results from a sudden, accidental event such as wind, hail, fire, lightning, or falling debris. However, damage caused by normal wear and tear, poor maintenance, or intentional actions is typically not covered. It’s important to review your specific policy, as coverage may involve deductibles, depreciation, or special provisions for wind and hail, depending on your insurer and the age of your roof.

Umbrella insurance is a smart option for anyone who wants added protection against lawsuits that may exceed the liability limits of home or auto insurance. It provides extra coverage for legal expenses and damages, helping safeguard your income and personal assets. An umbrella policy can be especially valuable if you own rental property, have substantial savings or home equity, or have added liability risks such as a pool, trampoline, or dog. If you would like a more detailed explanation of who should consider umbrella coverage, read the full guide by Pat Foley.

In many situations, car insurance will extend coverage to other drivers who have your permission to use your vehicle—this is known as “permissive use.” That said, coverage details can differ depending on your insurer and state regulations. Generally, anyone living in your household should be listed on your policy. If they’re not listed, they may not be covered, and any drivers specifically excluded from your policy will not be covered under any circumstances. Want to learn more about who is and isn’t covered? Check out our complete guide.