Name: Oyer, Macoviak and Associates
Price range: $$

Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Oyer, Macoviak and Associates can help you find the home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

We will start by getting to know you and your home, so we can tailor a home insurance package that protects your home's value and covers the details you care most about.

You may be surprised at how many home insurance options are available to you. Oyer, Macoviak and Associates can help you understand these home insurance options. For home homeowners, of course, there is standard home coverage which provides basic protection for your home and its contents against a wide range of risks. But if you have collections or other high-value items, need extra living space coverage, or are concerned about having enough cash to rebuild after a major disaster, we can help you design homeowners' insurance coverage to meet your specific needs. Oyer, Macoviak and Associates home insurance also covers home improvements so that you can plan with confidence and peace of mind.

Some people think that they don't need home insurance because their home is paid off or they've never had a claim. But disasters happen. You never know when your home's roof will be damaged by fire or wind. Or what about a water leak in the kitchen? What if you lose electricity for days and must throw out all your frozen food? Oyer, Macoviak and Associates home insurance covers most home losses so you can feel comfortable knowing that when damage or destruction does occur, you are covered.

What is 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.

Who needs to purchase home insurance.

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'.

What home insurance covers.

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.

Which disasters are not covered by home insurance policies?

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.

Is every policy issued by an insurer identical?

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.

What are the benefits of having home insurance.

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.

When can I cancel my home insurance policy if I don't want it anymore.

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.

What would be the procedure for claiming under a home insurance policy?

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.

Depending on where you live – a house, apartment, or condominium – the right hazard insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!

Boynton Beach, Delray Beach, West Palm Beach, Boca Raton Florida – What you need to know about homeowners insurance.
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

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