Tennessee Home Insurance
Protect your Tennessee home from the unexpected. We find comprehensive policies that cover the risks you face, including damage from tornadoes, severe thunderstorms, hail, and winter ice storms.
Our independent agency helps Tennessee households and businesses compare home, auto, and business insurance options while we do the shopping for them. Tell us what you need once, and we can review options from more than 30 rated insurance companies.
One request. We shop over 30 rated companies for you.
We are licensed to help with all your personal and commercial insurance needs
The right coverage to keep you moving. Whether it’s your daily driver, a boat, motorcycle, or golf cart, we’ll find a policy that protects you on the road and on the water.
Your business is your life’s work. We offer tailored solutions, from general liability to commercial auto, to protect everything you’ve built.
Protecting your biggest investment. We specialize in finding comprehensive coverage for homes, condos, vacant, and rentals across the Southeast.
One request. We shop over 30 rated companies for you.

At Oyer, Macoviak and Associates, we make managing your insurance simple, secure, and convenient with our Client Portal, powered by Vertafore Insurlink.
With the client portal, you can:
View and manage your policies 24/7
Request policy changes online
Download ID cards and certificates instantly
Report a claim quickly and easily
You can also download the Insurlink mobile app for Android and Apple devices, giving you full access to your insurance details on the go.
Welcome, residents of the great Volunteer State! Oyer, Macoviak and Associates is a fully licensed insurance agency, proud to serve all of Tennessee. From the vibrant music scene of Nashville to the bustling city of Memphis and the serene Great Smoky Mountains, we offer Tennesseans a smarter way to buy insurance by comparing over 30 top-rated carriers for you.
Protect your Tennessee home from the unexpected. We find comprehensive policies that cover the risks you face, including damage from tornadoes, severe thunderstorms, hail, and winter ice storms.
Whether you’re commuting on I-40 or exploring scenic backroads, we’ve got you covered. We’ll ensure your policy meets or exceeds Tennessee’s required liability limits (currently $25,000/$50,000/$25,000) and can include other vital protections.
From the hospitality and music industries in Nashville to the logistics hubs in Memphis, we support Tennessee’s diverse businesses with tailored commercial insurance, including general liability, workers’ comp, and commercial auto.
Request a no-obligation quote to compare available options and understand the differences with Oyer, Macoviak and Associates.
We have access to coverage options beyond traditional automobile and homeowners’ insurance; our Trusted Choice Insurance Agency status gives us access to a range of specialized coverages such as boat owners insurance and umbrella liability protection. We help customers compare available insurance options in Florida, Georgia, North Carolina, and Tennessee, subject to product, carrier, and eligibility availability.
Oyer, Macoviak and Associates is not tied to just one insurance company. We are free to explore more companies and coverages to help find you the best rate for all the protection you, your family, or your business needs.
No matter if it’s your business or your boat, your insurance needs are sure to change. Oyer, Macoviak and Associates can help adjust coverages to fit your growing business, family, or whatever else you’re protecting.
At Oyer Macoviak and Associates, we can’t get any more local than we are. We live in the same town as our clients, cheer for the same sports team, and know the needs of those living near us best.
Oyer, Macoviak and Associates we compare available coverage and pricing options from more than 30 rated insurance companies, where available, and help you understand the differences before you choose.