Personal Insurance

Flood Insurance

Since 1953, our independent agency has helped property owners compare flood insurance options while we do the shopping for them. Let us review your needs with access to more than 30 rated insurance companies.

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One request. We shop over 30 rated companies for you.

1Tell us onceShare what you need.
2We shop30+ rated companies.
3You chooseWith local guidance.

Flood Insurance Coverage for More than 70 Years

When it comes to protecting your home or business from flooding, Oyer, Macoviak and Associates are the professionals you can trust.

We have helped customers review flood insurance options for decades, and we understand how important it is to choose coverage that fits your property and flood risk.

We work with more than 30 rated insurance companies and help compare available flood insurance options. Our team can explain the differences so you can choose coverage with confidence.

We’re here to help you protect what’s important.

Florida homeowner reviewing flood insurance and property flood risk

One request. We shop over 30 rated companies for you.

ProgressiveThe HartfordTravelersAllstateGEICOLiberty Mutual

Why People are Choosing us

4.9 Stars - Based on 643 Google Reviews

Compare Flood Insurance Options

Looking for flood insurance guidance? Oyer, Macoviak and Associates can help you compare available options and understand how flood coverage may protect your property.

We’ll do all the legwork for you, shopping your policy with over 30 rated companies.

Contact us today at 561-732-9305 or request an online quote. We can help you review available flood insurance options.

Why Do Business with us?

If you want help comparing flood insurance, our team can shop available carrier options and explain the differences clearly.

As an independent agency, we can compare available flood insurance options from multiple companies instead of being limited to one carrier.

So why wait? Contact us today at 561-732-9305 or get an online quote and let us show you how much you could be saving.

01What is flood insurance?

Flood insurance is protection against property loss due to floods. It covers both your home and its contents.

02I have flood insurance through my mortgage lender; why do I need to purchase additional coverage?

Your lender’s policy may cover only a portion of the replacement cost value of your home (up to $250,000) and furnishings. It may also have a deductible that you would be responsible to pay.

More information about the coverage provided by lenders is available in the “What is Covered” section of this brochure. If your policy is being offered through the National Flood Insurance Program, it will cover up to $250,000 for rebuilding or repairing your home and up to $100,000 for its contents.

03What is the difference between coverage provided by a lender and that obtained from the NFIP?

Lender’s policies are affected by including factors such as deductible amounts and replacement costs based on current construction codes. Other limitations may also apply to the coverage offered through lenders. The National Flood Insurance Program works with the Federal Emergency Management Agency (FEMA), and provides coverage based on the flood hazard determination for an address as well as a percentage of annual rent or mortgage costs.

04Is there a waiting period if you buy a flood insurance policy through NFIP?

Typically, there is a 30-day waiting period for NFIP floor policies unless it is a loan closing. Coverage begins on the date of purchase.

The cost and structure of flood coverage can vary based on the property, coverage selections, deductible, and available program options. We can help explain how the policy is set up before you choose coverage.

05If I have a mortgage, do I need flood insurance?

Yes. Your lender will require you to obtain coverage from NFIP and maintain it for as long as you continue to make payments on your loan. Otherwise, the lender may cancel your mortgage or refuse to renew it at its expiration date. Coverage is also required if you are buying a home with a loan from a lending institution.

06If I purchase a policy from NFIP, will it void my homeowner’s or renter’s policy?

Your homeowners or renters’ policy usually covers what the NFIP does not, such as wind damage and some types of theft. However, it may still provide coverage for some flood losses (for example, in cases where there is overflow onto your property from a neighbor’s house). Consult your insurance agent or broker if you have questions about your existing policies.

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