Since 1953

Flood Insurance

Since 1953 we have helped thousands of clients to save money on flood insurance while we do all the work. Let us shop your policy with over “30” rated companies.

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Flood Insurance Coverage for More than 60 Years

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

We have been helping customers save money on flood insurance for over 60 years, and we know how to get the best coverage at the best prices.

We work with over 30 different insurance companies to make sure you get the best possible rate, and we do all the legwork for you. So, if you’re looking for peace of mind when it comes to flood insurance, give us a call today at 561-732-9305 or get a quote online.

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

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Why Oyer, Macoviak and Associates for Flood Insurance?

Choice Flood Insurance Options

Choice

We have access to multiple companies with a range of products.

Easy Flood Insurance

Easy

We can easily switch you from company to company without hassle.

Unbiased Flood Insurance

Unbiased

We are unbiased and objective, you know you have the right plan for you.

Flood Insurance

69+

Years in Business

Let Us shop your policy with over 30 “A” rated companies.

our experience

Save Up to 30% on Flood Protection

Looking for the best deal on flood insurance? Oyer, Macoviak and Associates can help. We’ve been in the business since 1953 and have helped thousands of clients save money on their flood insurance premiums.

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

So why wait? Contact us today at 561-732-9305 or get a free online quote. You could be saving money on your flood insurance premiums in no time!

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How to Purchase Flood Insurance and Why You Should Do It
Flood Insurance

How to Purchase Flood Insurance and Why You Should Do It

Robert Macoviak Reading Time: 5 minutes

Floods are the most common natural disaster in the United States, and they’re also one of the most expensive. In fact, the average flood claim costs $33,000, according to the National Flood Insurance Program. And yet, only about 12% of American homeowners have flood insurance. If you live in a high-risk area—or even if you…

FAQ Flood insurance

Why Do Business with us?

If you’re looking for the best possible deal on flood insurance, Oyer, Macoviak and Associates is the place to go. We’ve been in business since 1953, and we’ve helped thousands of clients save money on their policies.

We’ll do all the work for you, shopping your policy with over 30 different companies. And because we’re an independent agency, we’re not beholden to any one company, so we can always find the best possible rate for you.

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.

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

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.

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.

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 contents and personal liability portions of the policies are usually written together with an automatically renewed policy, so your coverage continues year after year without having to re-apply. The premiums for the automatic renewal portion of the policy are typically much lower than those associated with a traditional standalone homeowners’ policy (which you would purchase to cover just your personal property).

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.

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.

Since 1953

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