FAQs

Foley Insurance Group

  • Are you are local, independent insurance agency?

    Yes, we are a local, independent insurance agency representing the following: - Erie Insurance - Grange Insurance - Auto-Owners Insurance - Travelers - Progressive - The Hanover Insurance Group - Cincinnati Insurance Companies - Ohio Mutual Insurance Group - Foremost - Safeco Insurance We provide solutions for customers seeking insurance services, such as an auto insurance agency.

  • If I have an insurance claim, what is the process?

    Start by contacting our local offices to speak to one of our local representatives to help you through the claims process. For example, if you're looking to cover your home in Northern Ohio, we work to set you up with a homeowners insurance agency, residents rely on to make the process as smooth as possible. Or we can walk you through a commercial insurance claims process to keep your business covered.

  • Do you offer affordable auto & home insurance options?

    We have multiple insurance options that allow us to shop for the best rate for you and your needs. We can also help set you up with a reliable homeowners' or auto insurance agency, to give you the best options for your policy.

  • Do you offer farm insurance?

    Yes, we have multiple insurance options with affordable farm insurance rates. We could also help you find a reputable homeowner's insurance agency, that can offer you a bundle with your farm policy.

  • Do you offer commercial or business insurance?

    According to Forbes, 29% of small businesses don’t carry any small business insurance. Many of these companies may not be able to afford insurance, which is one of the reasons we have multiple insurance options with competitively priced options for your business, big or small. We understand the importance of affordable, flexible coverage for both personal and commercial needs, whether you need to cover your business or find a reliable homeowners insurance agency.

  • Does home insurance cover roof damage?

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


    👉 Want more details? Read our full guide on roof damage coverage.

  • Do I need umbrella insurance?

    Umbrella insurance is highly recommended if you want extra protection against lawsuits that could exceed the limits of your home or auto insurance. It provides additional liability coverage for legal fees and damages, helping protect your income and assets.


    You may especially benefit from an umbrella policy if you own rental property, have significant savings or home equity, or have higher-risk factors like a pool, trampoline, or dog.


    Want a deeper breakdown of who should consider umbrella insurance? Read our full guide by owner Pat Foley.

  • Does my car insurance cover other drivers using my car?

    In many cases, car insurance does cover other drivers if they have permission to use your vehicle—this is called “permissive use.” However, coverage can vary by insurance company and state laws. 


    A general rule is that anyone living in your household should be listed on your policy. Unlisted household members may not be covered, and drivers who are specifically excluded on your policy will not be covered at all. 


    👉 Want a deeper explanation of who is and isn’t covered? Read our full guide.