Home Insurance from Oyer, Macoviak and Associates-Delray Beach Florida

Whether you love the high life or the outdoors, Delray Beach is a great place to live.

Want to go bird watching? There is the Wakodahatchee Wetlands to stroll through. Want to marvel at art? You have the whole Pineapple Grove Arts District to peruse. It has the classic warm water beaches and reefs that make Florida special, and yet it has its own vibe that made Rand McNally nominate it as the Most Fun Small Town. This can make it a wonderful place to settle down or to put in your vacation home.

Naturally, type of home is going to have all of your favorite things that make your property your own.  A house is more than four walls, and a Delray Beach home is a collection of all the memories and souvenirs that you accumulate from living there.

You will want to keep these precious memories intact for as long as possible, but, just like other less fun towns, Delray Beach has its share of disasters. Fires can happen anywhere, for one thing, and the area has had many floods, thunderstorms, and tornadoes since being founded in 1923.

Insurance Companies We Represent

  • Nicholas B.

    I needed to switch my home and auto as a newer resident of Florida. After working with another agent for... read more

    robert j.

    great insurance agent,, rob and cheryl has been very helpful in getting me car, van, and renters insurance at... read more

    Stacey M.

    I am very happy with Oyer, Macoviak and Associates. My home owners insurance was about to expire and I... read more

  • Pris N.

    It's great to find an insurance agency that actually cares! The agents make sure we get the best home... read more

    Roberta M.

    We were the victim of a small auto accident about the same time as our auto, homeowner and other policies... read more

    A G.

    We are extremely happy with Oyer, Macoviak and Associates. We are with them for many years and switched... read more

  • Abby D.

    The staff is a pleasure to work with and are extremely helpful. Transitioning our homeowner's insurance over to Oyer, Macoviak... read more

    Conch 8.

    Very pleased with the service from Bobby and staff. They are always helpful and answer all questions promptly! THANKS! ?

    Bill B.

    The whole crew at O,M & Assoc. are great! Very responsive to our needs and lots of helpful ideas so... read more

  • Helaine H.
    positive review 

    They are always looking for the best rates and they are very helpful in making desisions. Always avaible to speak... read more

    Tashia G.

    Exceptional service from quote to binding. Cheryl Macoviak is a competent professional who went above and beyond to take... read more


    Best insurance company ever. Always there for you.

  • Judith W.

    Oyer, Macoviak has covered my condo since I bought it in December of 2008. Several years ago my upstairs... read more

    Fernando R.

    Had a great experience working with Cheryl. She was very patient working on multiple homeowners quotes and has been extremely... read more

    Robert H.

    Very nice people, very helpful and courteous, have several carriers to choose from, they know based on your needs the... read more

  • Stephen B.

    i call on this company for customer service reasons for their own clients,

    Michael D.

    Very responsive and does a great job of shopping around for the best homeowner's and car insurance policies.

    michael m.

    We have used the services of Oyer, Macoviak for the past 18 years (through hurricanes and other Florida weather related... read more

  • Bonnie S.

    We are extremely happy with Oyer, Macoviak and Associates. We are with them for many years and switched... read more

    Sharon B.
    positive review 

    The personal service is very appreciated. Extremely knowledgeable about the Insurance Business and everyone we have interacted with has been... read more

    Kim M.

    You offer excellent customer service and are proactive in terms of getting competitive quotes for our coverage, which has helped... read more

  • Edie W.

    If you are in the market for an insurance company I would highly recommend this company. We have been with... read more

    Barbara N.

    We are very impressed with Oyer, Macoviak and Associates insurance agency. They quickly respond to any questions or concerns... read more

    Beverly K.
    positive review 

    They find the best companies with the lowest premiums. The staff is very helpful and pleasant. I had a claim... read more

  • Jose R.

    Oyer, Macoviak and Associates understands the meaning of "service". When I have a question or concern, I speak to... read more

    Deanna C.

    Rob and Cheryl are truly great people! They are kind, considerate and professional. They both made me feel significant throughout... read more

    A G.

    We have always been pleased with the service and help with our insurance policies placed through the company. Dealing with... read more

  • Debbie S.

    My go to Insurance company for all my needs. The staff are wonderful! Very professional and friendly, they even... read more

    Andrea M.

    Oyer, Macoviak and Associates have been in my family for over 30 years. My parents had them and now I... read more

    Vicki T.

    I was referred to Ryan at Oyer, Macoviak & Assoc by a friend/realtor. Ryan was great to work with, listened... read more

FAQ Home Insurance

It is a cover against financial loss arising out of the occurrence of an insured event in respect of one or more residential premises, whether owned or rented. It is obtained from the insurer for a premium, on payment by the insured to him at regular intervals throughout his tenure as owner or tenant. The insurance policy covers only 'hazards' as are defined in the policy. The risk is assumed by the insurer.

Every homeowner or tenant must have home insurance. The homeowner pays for home insurance in two ways: Firstly, by paying an annual premium to the insurer to provide coverage against claims made under the home policy during that period; secondly, by footing any claim wherever possible within a notional sum specified in the policy as 'contributory loss'. The homeowner is directly responsible for liability to the insurer beyond the 'contributory loss'.

The home policy covers all perils of burglary, theft, or malicious damage; accidental or unintentional injury to persons and damage to property within the home premises caused by fire, lightning, explosion, or smoke; damp arising from defective plumbing or defective or leaking gutters and roofs; leakage of water supply due to burst pipes; collapse of home structure in the event of fire, lightning, explosion, or accidental damage. These are the main areas of coverage under home insurance policy.

Home insurance does not cover certain home hazards which include home-related diseases, home-produced smoke, gases or fumes produced within the home premises and damage from home use of non-specified electrical appliances. Also not covered are home hazards due to the nature of occupation (i.e.) home occupations such as a dance studio.

No, home insurance policies vary in the sense that they define home differently. In one policy home may mean home premises only while in another it would include a home office no matter how near the home office is to home or whether home and home office are rented out under one policy.

Home Insurance provides homeowners and home tenants with protection against home hazards to a great extent and, in addition, home insurance can also be used by homeowners as collateral for home loans from banks or other financial institutions. A homeowner can even use his home as security over which he has an insurable interest. home insurance also covers homeowners against home hazards arising from home occupation. Home Insurance can reduce home losses in the event of home hazards and, at the same time, avoid financial loss to homeowners who have home insurance policies.

You may cancel the home insurance policy at any time by writing to the home insurer. The home insurance policy would then cease from such cancellation date.

Every homeowner should contact his home insurer immediately after a home hazard occurs and report it so that steps can be taken to assess the home damages, estimate home repair and replacement cost etc. If home insurance is purchased as part of home loan package, homeowners must also contact the home lender at the same time.

Let Us Handle All the Work While You Save

Speak with a licensed agent (561) 732-9305

Why Oyer, Macoviak And Associates For Your Delray Beach Home?

Home insurance in Florida has always been a difficult subject, but we love a challenge. This is why we opened in 1953, when it was hard to get good policies to cover people's properties. As a result, we have become experts in finding the right insurance policies for individuals in this county and Martin, Broward and St Lucie counties. Each of our clients will be educated about the best policies for their situation, and, since we represent multiple insurance companies, they will get policies written that are tailored just for their homes.

Oyer, Macoviak and Associates is a family-run company, devoted to giving our clients personal service. If you are looking in Delray Beach for a home and know you will need home insurance to have peace of mind while living here, contact us. We look forward to getting together your policies.

Oyer, Macoviak and Associates. Call for a HOME INSURANCE QUOTE at 561-732-9305 or get an ONLINE QUOTE TODAY.

Home Insurance Companies We Proudly Represent