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Oyer, Macoviak and Associates Insurance
Phone 561-732-9305service@oyerinsurance.com
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Oyer, Macoviak and Associates Insurance

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.

4.8 Stars - Based on 1089 Reviews
get A Quote
or Call (561) 732-9305

Testimonials

Why People are Choosing us

  • Peter Armour Avatar
    Peter A.
    - Google
    They have always been responsive to questions and offer alternatives when required to ensure best possible coverage.
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    Nancie Gilman-Tarnowski Avatar
    Nancie G.
    - Facebook
    Oyer, Macoviak and Associates is a family operated full service insurance company that handles insurance with much expertise and they... read moreOyer, Macoviak and Associates is a family operated full service insurance company that handles insurance with much expertise and they always find the best rates and they are very knowlegable. read less
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    Penny Marker Neidorf Avatar
    Penny M.
    - Facebook
    Rob Macoviak saved me not only money but from another firm that took me for granted and when my condo... read moreRob Macoviak saved me not only money but from another firm that took me for granted and when my condo was hit by a hurricane
    it was a referral to Rob and the team at Oyer Macoviak that not only helped me thru the long and painful process of trying to be compensated for my losses but won my Trust, Condo and Auto business going forward.
    The agent at the previous firm was of no help when
    at my most vulnerable.
    Rob was extremely patient in explaining the policy I had at that time and so much more. I was never one to recommend anyone but
    2 years later I am happy to
    recommend Oyer Macoviak.
    read less
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  • Charlotte & Jerry Garfinkle Avatar
    Charlotte &.
    - Google
    Very easy to work with. Straight answers the first time. Premium was very good. Real savings.
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    Becky Castor Avatar
    Becky C.
    positive review 
    - Facebook
    The most friendly and helpful insurance company ever! They're happy to help with any request.
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    Barbara Rubin Byer Avatar
    Barbara R.
    - Facebook
    Friendly and prompt service. Replied to all inquires!
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  • Kathryn Skop Avatar
    Kathryn S.
    - Google
    Excellent company! Been with them for years and will continue to do so. Great staff, always calls you back promptly.
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    Lila Morriss Avatar
    Lila M.
    - Google
    Friendly, neighborly, efficient service at this long established insurance agency. Great service!
    Google Logo
    Stephen Rubin Avatar
    Stephen R.
    - Google
    I have home and flood insurance through Oyer et al. They willingly review my insurance each year, answer questions and... read moreI have home and flood insurance through Oyer et al. They willingly review my insurance each year, answer questions and seek best policies. They are cordial and responsive. read less
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  • Beverly Kast Avatar
    Beverly K.
    positive review 
    - Facebook
    They find the best companies with the lowest premiums. The staff is very helpful and pleasant. I had a claim... read moreThey find the best companies with the lowest premiums. The staff is very helpful and pleasant. I had a claim and they took care of it immediately. They are the best read less
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    Kenneth Tobin Avatar
    Kenneth T.
    - Google
    GREAT customer service. They are always there to help
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    Louise Duane Avatar
    Louise D.
    positive review 
    - Facebook
    They are always there to help
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  • Wane Kuhns Avatar
    Wane K.
    - Google
    When I contacted them they responded quickly and were very helpful. Competitive pricing. Easy to work with.
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    Roberta Bragg Avatar
    Roberta B.
    - Google
    My last insurance broker couldn't find a company for me so they stuck me with Citizens. I called Oyer,... read moreMy last insurance broker couldn't find a company for me so they stuck me with Citizens. I called Oyer, Macoviak, et al. They got me a great deal in a very timely fashion. Moreover they were helpful and well-informed. Obviously, I'm happy to recommend them. If you're not getting the kind of service you should, change your broker! I did and am totally happy. read less
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    Kim Flaville Avatar
    Kim F.
    - Facebook
    I have been a cliënt of Oyer, Macoviak since 2013. Their office is within about a mile and their office... read moreI have been a cliënt of Oyer, Macoviak since 2013. Their office is within about a mile and their office is well suited. In addition year over year they add a modest fee which is standard. The staff is also very courteous and the clientele is also patient. The staff listens as to clients with regard to questions, the cost, and the terms or a better a deal.

    All around, it appears to me Oyer, Macoviak and there clientele and customers are terrific. I look forward to working for Oyer, Macoviak and will see you next year.

    Victoria Kim Flaville
    read less
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  • Simone Rezende Avatar
    Simone R.
    - Facebook
    We are very pleased with Oyer, Macoviak and Associates.
    They gave us excellent pricing, excellent service and excellent customer service...
    read moreWe are very pleased with Oyer, Macoviak and Associates.
    They gave us excellent pricing, excellent service and excellent customer service (newsletters, prompt and professional replies from the representatives). I would recommend the company to anyone looking for great service and good prices!
    read less
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    Cindy N Townsend Avatar
    Cindy N.
    - Facebook
    Cheryl's response time was impeccable. She provided more than one option for insurance and provide options to reduce the... read moreCheryl's response time was impeccable. She provided more than one option for insurance and provide options to reduce the premium costs without being asked. Then she also recommended a contractor to provide services that would help reduce premium and then provided the quote extremely quick always checking to make sure I was satisfied and had covered all my bases.

    Other providers only gave me the highest priced option and made no mention as to how I could reduce costs. It saved me $1,600 dollars. THANKS CHERYL!
    read less
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    Barbara Ness Avatar
    Barbara N.
    - Google
    We are very impressed with Oyer, Macoviak and Associates insurance agency. They quickly respond to any questions or concerns... read moreWe are very impressed with Oyer, Macoviak and Associates insurance agency. They quickly respond to any questions or concerns we have. They always look for competitive rates when we are renewing our policies and have a wide variety of insurance policies to fit our family's needs. All of the employees we have had dealings with over the years have been courteous and well-informed. read less
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  • Kristen Miami Avatar
    Kristen M.
    - Google
    I chose to contact Oyer, Macoviak & Associates because they are a local business. The first time I called, an... read moreI chose to contact Oyer, Macoviak & Associates because they are a local business. The first time I called, an associate answered the phone right away and I had a quote within hours. They were also very responsive to my mortgage company during my home buying process. I highly recommend due to their customer service, ease of doing business, and being able to go above and beyond for their clients. read less
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    HERB GELLER Avatar
    HERB G.
    - Google
    Nice people to deal with and fast, efficient service. H
    Google Logo
    Chino Mourlot Avatar
    Chino M.
    - Facebook
    If need insurance call them, they are professional, sincere in helping their clients and potential clients, or email
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  • Sharon Brauer Avatar
    Sharon B.
    positive review 
    - Facebook
    The personal service is very appreciated. Extremely knowledgeable about the Insurance Business and everyone we have interacted with has been... read moreThe personal service is very appreciated. Extremely knowledgeable about the Insurance Business and everyone we have interacted with has been very helpful! read less
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    Lynda Offenkrantz Avatar
    Lynda O.
    - Facebook
    Oyer, Macoviak and Associates is a professional insurance firm that I highly recommend. They are knowledgeable, courteous and qualified to... read moreOyer, Macoviak and Associates is a professional insurance firm that I highly recommend. They are knowledgeable, courteous and qualified to meet the individual needs of their clients. read less
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    Ann Messina Avatar
    Ann M.
    - Facebook
    Excellent service and the staff is so accessible and helpful always...
    Thank you to the entire team.....
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  • Edie Walters Buckle Avatar
    Edie W.
    - Facebook
    If you are in the market for an insurance company I would highly recommend this company. We have been with... read moreIf you are in the market for an insurance company I would highly recommend this company. We have been with them for several years and have been very satisfied with the coverage and the price. Rob Macoviak is our agent and he is great! We have referred some of our friends and they also decided to go with this agency and have been equally pleased. read less
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    Igor Cherkassky Avatar
    Igor C.
    - Google
    Thank you for your service.....
    Google Logo
    Carmela Jacobitti Avatar
    Carmela J.
    - Google
    I searched frantically for days to get home insurance-even my previous agency made it difficult! Your agency is local and... read moreI searched frantically for days to get home insurance-even my previous agency made it difficult! Your agency is local and made it easy and efficient! Thank you read less
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  • Angeline Grippe Militello Avatar
    Angeline G.
    - Facebook
    We have been insured by Oyer, Macoviak, and Associates for many, many years. We have had excellent service, and... read moreWe have been insured by Oyer, Macoviak, and Associates for many, many years. We have had excellent service, and feel confident with their coverage in the future. Sam and Angie Militello read less
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    Richard Price Avatar
    Richard P.
    - Google
    They are always there when you need them and they follow up in timely manner. They are always pleasant... read moreThey are always there when you need them and they follow up in timely manner. They are always pleasant to deal with. read less
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    Dan Winters Sr Avatar
    Dan W.
    - Facebook
    Hard working very fair professional insurance people .They always go out of the way to provide you with great advice... read moreHard working very fair professional insurance people .They always go out of the way to provide you with great advice and very competitive. Return calls quickly read less
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about our company

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.

Get A Quote
Progressive Insurance Company
Hartford Insurance Company
Allstate Insurance Company
Travelers Insurance Company
Safeco Insurance Company
Mercury Insurance Company
Florida Family Insurance Company
Universal Property Insurance Company

main REASONs TO CHOOSE US

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!


quality insurance coverages

We’re Providing Quality
Insurance Coverages

Clients
Policies
Years
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 09/22/202209/22/2022 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…

Read More How to Purchase Flood Insurance and Why You Should Do ItContinue

Considering Flood Insurance for Your Florida Home
Flood Insurance

Considering Flood Insurance for Your Florida Home

Robert Macoviak 09/13/202209/13/2022 Reading Time: 4 minutes

If you live in Florida and own a home, you may have heard that you should consider getting flood insurance. But what is it, and do you really need it? In this blog post, we’ll explore what it is, who needs it, and why it’s important for Floridians. What is Flood Insurance? Flooding is one…

Read More Considering Flood Insurance for Your Florida HomeContinue

Is Flood Insurance Worth it in Florida
Flood Insurance

Is Flood Insurance Worth it in Florida?

Robert Macoviak 08/06/202208/06/2022 Reading Time: 5 minutes

In the wake of so many natural disasters, people are asking if flood insurance is worth it in Florida. Considering the recent hurricanes and storms that have caused so much damage in the state, many people are wondering if they need this type of insurance coverage. While flood coverage can be a great way to…

Read More Is Flood Insurance Worth it in Florida?Continue


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.

Get A Quote

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

Need Insurance Coverage?

Call Us Today

561-732-9305

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About Us:
Oyer, Macoviak and Associates
1903 South Congress Ave Ste 350
Boynton Beach, FL 33426
Phone: 561-732-9305
Toll Free: 800-397-8780
Fax: 561-364-9848
Email: info@oyerinsurance.com

Office Hours:
Monday to Friday 8:30 AM to 5:00 PM

We offer a live after-hours claim service, which makes sure that you are always taken care of. You can also go online and view, make changes or report a new claim with our client portal.

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