Since 1953

Umbrella Insurance

Since 1953 we have helped thousands of clients to save money on umbrella 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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Umbrella Insurance Coverage for More than 60 Years

Are you overwhelmed by all the information out there about umbrella insurance? Are you looking for umbrella coverage and protection to fit your unique needs? Look no further. Oyer, Macoviak and Associates has been helping clients since 1953 to find just the right kind of policy, taking all the guesswork out of it. With more than thirty rated companies providing coverage, we can shop around and find the one that fits your lifestyle and budget.

No two clients are alike and that’s why we offer a variety of options based upon each client’s specific requirements and lifestyles. We will find you competitive rates while ensuring that you get solid coverage that won’t leave you high and dry when unexpected disasters strike. No matter which company or policy you choose, our knowledgeable experts will make sure everything goes smoothly so you have complete peace of mind.

Let us do the hard work for you so that you can enjoy your time without worrying about what kind of umbrella insurance plan is best for your situation. Trust Oyer, Macoviak and Associates to provide the dependable, trustworthy advice so many clients have come to count on since 1953!

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Why Oyer, Macoviak and Associates?

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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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Save Up to 30% on Umbrella Insurance

Oyer, Macoviak and Associates has been working since 1953 to provide insurance shoppers with the best umbrella insurance policies out there. With over 30 different companies to choose from, you can be sure that we will find what fits your needs the best!

As a consumer, you know how important it is to get the right coverage and save money when it comes to something as serious as umbrella insurance. Let us help you make sure you are getting the most comprehensive protection at the lowest cost possible. We do all of the work for you—shopping your policy with these 30 A-rated companies so you can rest easy knowing that you’re in good hands.

We understand how difficult it can sometimes be to navigate the world of umbrella insurance, so let Oyer, Macoviak and Associates take the hassle out of shopping around. Join our thousands of satisfied customers who have saved money while they’ve gotten peace of mind from knowing they’re adequately protected from whatever life throws their way!

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Who qualifies for Umbrella Insurance
Umbrella Insurance

Who qualifies for Umbrella Insurance?

Robert Macoviak Reading Time: 4 minutes

Did you know that umbrella insurance can provide protection beyond the limits of your regular policy? Umbrella policies can help cover costs from lawsuits, property damage, and more. But who qualifies for this type of insurance? Keep reading to find out! Homeowners insurance typically doesn’t cover everything – here’s when you need umbrella insurance Homeowners…

Discover the Benefits of Having an Umbrella Insurance Policy
Umbrella Insurance

Discover the Benefits of Having an Umbrella Insurance Policy

Robert Macoviak Reading Time: 8 minutes

Umbrella insurance policies can provide an additional layer of protection beyond your existing home and auto insurance policies. While you might be confident in your current coverage, it’s important to consider the benefits that an umbrella policy could bring as well. An umbrella policy can not only help cover legal fees if you are involved…

How Much Does an Umbrella Insurance Policy Cost
Umbrella Insurance

How Much Does an Umbrella Insurance Policy Cost?

Robert Macoviak Reading Time: 3 minutes

You may have heard of umbrella insurance but aren’t quite sure what it is or how it works. Don’t worry, you’re not alone. In this blog post, we’ll look at what umbrella insurance is, how it can benefit you, and how much it costs on average. Umbrella insurance is a type of liability insurance that…

FAQ Umbrella insurance

Why Do Business with us?

As a local insurance agency (Boynton Beach, Florida) we take the time to cater to our customer’s policies to create the correct policy for them. Our team of agents is dedicated to help you protect you, your loved ones, and your business. Our office can handle any risk in Florida. In addition, our office is a Trusted Choice Insurance Agency (Independent Insurance Agent).

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The cost of an umbrella policy depends on your net worth, income level, and wealth. A good rule of thumb is at least $1 million for individuals with assets to protect and no liability claims on their record. Most people opt for at least a few million dollars in umbrella coverage which provides ample protection against most lawsuits.

Umbrella policies are crafted to protect you against liability exposure, no matter the size of damage awards or how many plaintiffs there are in a claim. In most cases, the limit of liability is between $1 million and $5 million depending on state law (compare umbrella policies in your state). Once your personal assets are exhausted, an umbrella policy would pay the remainder of damages up to its specified limit.

If you’ve been sued, have a claim pending or think one is likely, an umbrella can provide the financial protection you need. It also provides peace of mind by eliminating gaps in your coverage that would otherwise leave you vulnerable. No matter how carefully you shop and purchase auto, home, and other insurance policies, it’s almost impossible to foresee and plan for every possibility or risk that may arise. If you’re involved in an accident, have a claim, or are sued, extra liability protection can help pay the legal costs and provide financial security if you lose. In many situations, umbrella insurance is the primary source of funds to take care of expenses related to your defense. Without it, many people would be forced to sell their homes or other assets to pay for potentially large judgments and settlements associated with personal injury claims.

Umbrella insurance is a policy that provides additional liability coverage to go over and above the limits of your auto, home, and other insurance policies. It’s not an alternative to any existing policy but a supplement. The purpose is to provide added protection for you in the event one or more claims exceed the limit on your main policy(s).

Since an umbrella policy is designed to provide extra liability protection, it’s not meant to replace the auto, home, boat, or other insurance you already have. If one of your existing policies covers a particular incident (such as fire damage caused by lightning), an umbrella policy would typically not be involved. This means an umbrella can’t reimburse you for damages or pay your deductible, although it may cover extra costs associated with litigation (such as legal fees).

Umbrella policies are also written to provide additional liability coverage over and above the limits of your auto, home, and other insurance policies. So, if your home is burglarized by a thief who steals property from upstairs while you’re in the basement, your insurance policy would provide protection for damages to your home as well as any stolen items. An umbrella policy would typically not cover this incident because it wouldn’t involve liability coverage. If the same culprit later hits you with a lawsuit related to property damage or injuries he sustained while breaking into your home, an umbrella policy could help pay for your defense costs and any damages.

An umbrella can pay for legal defense costs and damages in lawsuits related to a wide variety of personal injury or property damage claims including:

Personal Injury Claims (including dog bites) Auto Accident Liability Boat or Watercraft Collisions Slip and Fall Defects on Property Motorcycle Accidents

Since 1953

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