Since 1953

Home Insurance

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



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Why People are Choosing us

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Home Insurance Coverage

Looking to save money on your home insurance? Oyer, Macoviak and Associates can help! We’ve been in business since 1953 and have helped thousands of clients get the best possible rates on their home insurance.

We work with over 30 different insurance companies, so we know who is offering the best rates at any given time. We’ll do all the work for you, so you can relax and enjoy the savings.

Get in touch with us today at 561-732-9305 or get a free online quote. Let us show you how easy it is to save with Oyer, Macoviak and Associates!

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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 for Home Insurance?

Choice Oyer, Macoviak and Associates

Choice

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

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Easy

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

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Unbiased

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

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69+

Years in Business

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

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our experience

Save Up to 30%

Do you feel like you’re paying too much for home insurance? Oyer, Macoviak and Associates has been helping clients save money on their home insurance since 1953.

We work with over 30 different insurance companies to get you the best rates possible.

Contact us today at 561-732-9305 or get an online quote and let us do all the work for you. Save time and money with Oyer, Macoviak and Associates.

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Save Money on Home Insurance with a Windstorm Mitigation Form
Homeowners Insurance

Save Money on Home Insurance with a Windstorm Mitigation Form

Robert Macoviak Reading Time: 4 minutes

Are you looking for ways to reduce the cost of your home insurance? Do you live in an area prone to high winds that can cause damage, such as hurricanes and other storms? If so, then obtaining and completing a windstorm mitigation form could be the key to saving money on your home insurance. This…

Understanding the Importance of a 4-Point Inspection for Home Insurance
Homeowners Insurance

Understanding the Importance of a 4-Point Inspection for Home Insurance

Robert Macoviak Reading Time: 6 minutes

Are you confused by the terms “home inspection” and “4-point inspection”? Do you know how they work together to affect your home insurance policy? If not, don’t worry—you’re in the right place. Today we’ll cover what a 4-point inspection is and why it’s essential for protecting your home from potential damage. We’ll also provide insight…

Everything You Need to Know About Roof Surfacing Payment Schedules
Homeowners Insurance

Everything You Need to Know About Roof Surfacing Payment Schedules

Robert Macoviak Reading Time: 3 minutes

As a homeowner, you understand the importance of having proper coverage for your home. This is especially true when it comes to your roof, which is one of the most vulnerable parts of your home. Older roofs can be particularly susceptible to damage. In this blog post, we’ll be discussing the Roof Surfacing Payment Schedule,…

FAQ home insurance

Why Do Business with us?

If you’re looking for a home insurance policy that won’t break the bank, look no further than Oyer, Macoviak and Associates. We’ve been helping our clients save money on home insurance for over 60 years, and we’re experts at finding the best rates.

We work with over 30 different insurance companies, so you can be sure that you’re getting the best deal possible. And because we do all the shopping around for you, all you have to do is sit back and relax. Contact us today to get started!

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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 insurance. The homeowner pays for insurance in two ways: Firstly, by paying an annual premium to the insurer to provide coverage against claims made under the 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 policy covers all perils of burglary, theft, or malicious damage; accidental or unintentional injury to persons and damage to property within the 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 structure in the event of fire, lightning, explosion, or accidental damage. These are the main areas of coverage under home insurance policy.

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

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.

Home Insurance provides homeowners and tenants with protection against hazards to a great extent and, in addition, home insurance can also be used by homeowners as collateral for loans from banks or other financial institutions.

A homeowner can even use as security over which he has an insurable interest. Insurance also covers homeowners against hazards arising from occupation. Home Insurance can reduce losses in the event of hazards and, at the same time, avoid financial loss to homeowners who have insurance policies..

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

Since 1953

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