Dooley Joseph Insurance Agency

Auto insurance protects you against financial loss in the event of an accident. It is essentially, a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses in the event of an accident as outlined in your policy. Liability: Covers your legal responsibility to others in the event of bodily injury or property damage.

While your landlord's insurance policy covers the building, it won't cover the loss of your personal belongings in the event of theft, water or fire damage. Renters insurance is a very affordable way to cover yourself for a variety of unexpected events.

Homeowners insurance covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Damage caused by most disasters is also covered however, there are some exceptions.

Flood is an excluded peril on the Homeowners Policy and the coverage can only be purchased on a separate policy. The Federal Government writes the bulk of the policies through FEMA. We have been a registered agent with the National Flood Program since 1991. Both the Government and Private Programs are constantly changing and we can provide the expertise to make sure you are getting the most coverage possible at the best price. Little known fact is that 75% of all flood claims happen to properties not considered to be in high risk flood zones.