Skip to content
Oyer, Macoviak and Associates Insurance
Phone 561-732-9305service@oyerinsurance.com
  • AboutExpand
    • About Us
    • Blog
    • Oyer Team
    • Careers
    • Mobile App
    • Privacy Policy
    • Refer A Friend
    • Referral Partners
    • Testimonials
  • Business InsuranceExpand
    • Business
    • Business Auto
    • Contractors
    • Cyber Liability
    • EPLI
    • General Liability
    • Product Liability
    • Professional Liability
    • Surety Bonds
    • Workers Compensation
    • All Business Coverages
  • Personal InsuranceExpand
    • Auto and Home Bundle
    • Auto
    • Classic Car
    • Condominium
    • Flood
    • Health
    • Home
    • Life
    • Street Legal Golf Cart
    • Umbrella
    • All Personal Coverages
  • ServiceExpand
    • Client Portal Log-In
    • Client Portal Register
    • Claims
    • Companies
    • Mobile App
    • Payments
    • Service Request
    • Schedule Appointment
Get A Quote
Client Portal
Oyer, Macoviak and Associates Insurance

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.



4.8 Stars - Based on 1017 Reviews
get A Quote
or Call (561) 732-9305

Testimonials

Why People are Choosing us

  • Thomas Sbordone Avatar
    Thomas S.
    - Google
    I have contacted several agencies to insure my new condo in Florida and received exorbitant quotes. Being somewhat disgruntled,... read moreI have contacted several agencies to insure my new condo in Florida and received exorbitant quotes. Being somewhat disgruntled, I called Oyer, Macoviak and Associates as a last resort. The service provided was professional and the quote was very reasonable. In fact, they insured my condo that same day. I have no hesitation in recommending Oyer, Macoviak and Associates for all insurance needs. Tom Sbordone East Hampton, NY read less
    Google Logo
    Barbara Rubin Byer Avatar
    Barbara R.
    - Facebook
    Friendly and prompt service. Replied to all inquires!
    Facebook Logo
    Ruth Morsell Avatar
    Ruth M.
    - Google
    We've only talked online and on the phone, but everyone is very thoughtful and nice. They keep me up to... read moreWe've only talked online and on the phone, but everyone is very thoughtful and nice. They keep me up to date on any changes on my account. I'm actually thinking of also getting car insurance through them. read less
    Google Logo
  • Janet Khouri Avatar
    Janet K.
    positive review 
    - Facebook
    When I call they are always pleasant & very helpful.
    Facebook Logo
    stanley walker Avatar
    stanley w.
    - Google
    Oyer, Macoviak has been handling all my insurance needs for several years and I have impressed with their ability to... read moreOyer, Macoviak has been handling all my insurance needs for several years and I have impressed with their ability to respond to various circumstances with companies raising rates or not writing policies anymore. In each instance, they have found me a suitable alternative and have provided me with all the necessary information I need to make the necessary decisions. read less
    Google Logo
    John Duckworth Avatar
    John D.
    - Google
    I’ve used Oyer Ins for many years now They have given me the best rates available for both personal and... read moreI’ve used Oyer Ins for many years now They have given me the best rates available for both personal and business insurance on my vehicles Bridget does an outstanding job answering the many questions I’ve had Their customer/client services are impeccable Thanks Oyer read less
    Google Logo
  • Ted Spiegel Avatar
    Ted S.
    - Google
    I found this agency to be efficient and its service to be excellent. Two days ago I bought a new... read moreI found this agency to be efficient and its service to be excellent. Two days ago I bought a new car after only being with the agency for less than two weeks. The auto transaction was at the end of the work day and the insurance credentials were prepared and electronically transferred in less than five minutes. read less
    Google Logo
    Jim East Avatar
    Jim E.
    - Google
    Cheryl was very helpful. She clued me in that I’ve been driving all year without compensation. Wonder why Geico is... read moreCheryl was very helpful. She clued me in that I’ve been driving all year without compensation. Wonder why Geico is cheaper last year read less
    Google Logo
    Doris Dejesus Avatar
    Doris D.
    - Facebook
    Love the staff! Very friendly and helpful! If you need insurance, stop searching - This is the place to go!
    Facebook Logo
  • Avi Fuchs Avatar
    Avi F.
    - Facebook
    This company embodies what true customer service should be. They are professional and knowledgeable about all issues that relate to... read moreThis company embodies what true customer service should be. They are professional and knowledgeable about all issues that relate to insurance. More importantly, they have a terrific team of agents who are a pleasure to deal with. I have recommended them to several of my clients and they have all had similar experiences. Give them a call, you will not be disappointed! read less
    Facebook Logo
    Barbara Ness Avatar
    Barbara N.
    - Google
    We are very impressed with Oyer, Macoviak and Associates insurance agency. They quickly respond to any questions or concerns... read moreWe are very impressed with Oyer, Macoviak and Associates insurance agency. They quickly respond to any questions or concerns we have. They always look for competitive rates when we are renewing our policies and have a wide variety of insurance policies to fit our family's needs. All of the employees we have had dealings with over the years have been courteous and well-informed. read less
    Google Logo
    Lila Morriss Avatar
    Lila M.
    - Google
    Friendly, neighborly, efficient service at this long established insurance agency. Great service!
    Google Logo
  • Wane Kuhns Avatar
    Wane K.
    - Google
    When I contacted them they responded quickly and were very helpful. Competitive pricing. Easy to work with.
    Google Logo
    Marie Brauer Williams Avatar
    Marie B.
    - Facebook
    If you are looking for an agent that is going to take care of you and your family by making... read moreIf you are looking for an agent that is going to take care of you and your family by making sure you are protected then Oyer, Macoviak and Associates is your agency! They do all the work. They are professional and easy to work with. read less
    Facebook Logo
    Peter Armour Avatar
    Peter A.
    - Google
    They have always been responsive to questions and offer alternatives when required to ensure best possible coverage.
    Google Logo
  • Penny Marker Neidorf Avatar
    Penny M.
    - Facebook
    Rob Macoviak saved me not only money but from another firm that took me for granted and when my condo... read moreRob Macoviak saved me not only money but from another firm that took me for granted and when my condo was hit by a hurricane
    it was a referral to Rob and the team at Oyer Macoviak that not only helped me thru the long and painful process of trying to be compensated for my losses but won my Trust, Condo and Auto business going forward.
    The agent at the previous firm was of no help when
    at my most vulnerable.
    Rob was extremely patient in explaining the policy I had at that time and so much more. I was never one to recommend anyone but
    2 years later I am happy to
    recommend Oyer Macoviak.
    read less
    Facebook Logo
    Hendricks Else Avatar
    Hendricks E.
    - Facebook
    I am a customer for many years with Oyer and Macoviak. I always received excellent information, service and customer service... read moreI am a customer for many years with Oyer and Macoviak. I always received excellent information, service and customer service from the entire staff.
    Marie W. is my agent for many years and explains all my insurance needs and the best pricing. Marie always goes the extra mile!
    read less
    Facebook Logo
    Jerry Lang Avatar
    Jerry L.
    positive review 
    - Facebook
    They are always willing to take time with me with whatever question I may have. They will get me... read moreThey are always willing to take time with me with whatever question I may have. They will get me the best rates possible. I trust them. read less
    Facebook Logo
  • Todd Smith Avatar
    Todd S.
    - Google
    Oyer, Macoviak and Associate employees are awesome! Bobby Yonta is extremely professional and personable. He actually listened to... read moreOyer, Macoviak and Associate employees are awesome! Bobby Yonta is extremely professional and personable. He actually listened to my questions and answered them clearly. He didn't push unnecessary coverages and was exceptionally knowledgable. read less
    Google Logo
    Nancie Gilman-Tarnowski Avatar
    Nancie G.
    - Facebook
    Oyer, Macoviak and Associates is a family operated full service insurance company that handles insurance with much expertise and they... read moreOyer, Macoviak and Associates is a family operated full service insurance company that handles insurance with much expertise and they always find the best rates and they are very knowlegable. read less
    Facebook Logo
    Margaret Gogol Avatar
    Margaret G.
    - Google
    Have been with Oyer Insurance for over 25 years and have always found them to be friendly, ... read moreHave been with Oyer Insurance for over 25 years and have always found them to be friendly, helpful, efficient, easy to work with and very knowledgeable with all my insurance needs. Great company always. Highly recommended. read less
    Google Logo
  • Helaine Hurwitz Avatar
    Helaine H.
    positive review 
    - Facebook
    They are always looking for the best rates and they are very helpful in making desisions. Always avaible to speak... read moreThey are always looking for the best rates and they are very helpful in making desisions. Always avaible to speak with you and are prompt in getting back to you with answers to any questions read less
    Facebook Logo
    Bill Bowser Avatar
    Bill B.
    - Facebook
    The whole crew at O,M & Assoc. are great! Very responsive to our needs and lots of helpful ideas so... read moreThe whole crew at O,M & Assoc. are great! Very responsive to our needs and lots of helpful ideas so we can improve our insurance and lower our premiums. Super to work with. read less
    Facebook Logo
    Jerrold Weiss Avatar
    Jerrold W.
    - Google
    We have greatly appreciated their counsel and help as I needed to re-calibrate our needs and expenses after my partner... read moreWe have greatly appreciated their counsel and help as I needed to re-calibrate our needs and expenses after my partner of 42 years passed on. It was greatly comforting to trust that their guidance and adjustment of my insurance were first and foremost in accord with my needs. In those instances in which any change felt frightening, they allowed me the the time I needed. Thank you. read less
    Google Logo
  • Kristen Miami Avatar
    Kristen M.
    - Google
    I chose to contact Oyer, Macoviak & Associates because they are a local business. The first time I called, an... read moreI chose to contact Oyer, Macoviak & Associates because they are a local business. The first time I called, an associate answered the phone right away and I had a quote within hours. They were also very responsive to my mortgage company during my home buying process. I highly recommend due to their customer service, ease of doing business, and being able to go above and beyond for their clients. read less
    Google Logo
    Lois Parker Avatar
    Lois P.
    - Google
    All is good
    Google Logo
    Shadaey Campbell Avatar
    Shadaey C.
    - Google
    After receiving my bill for my premium with my current company for next year, I had to find a new... read moreAfter receiving my bill for my premium with my current company for next year, I had to find a new company, and I was referred to Oyer, Macoviak and Associates (OMA) and a few other companies. Once I contacted OMA their responsiveness was immediate and thoughtful. Other companies were not able to get me a rate as low as them, and Ryan P. (my agent) was very helpful and thoroughly explained the full process of how things would move forward. Being that I’m a first time homebuyer, this was a real bonus for me! Thank you OMA for your help! read less
    Google Logo
  • Aden Reese Avatar
    Aden R.
    - Facebook
    Oyer and macoviak were a breath of fresh air after all the bad experiences I had trying to get... read moreOyer and macoviak were a breath of fresh air after all the bad experiences I had trying to get insurance for my business. either the prices were way too high or they couldn't get coverage for my LP gas business at all. I had one company get shut down while they had my deposit.
    Thank God I tried Oyer and macoviak... They were prompt and proffesional...and got me a great rate. everything went smoothly I got insurance at a great price with great service.
    5 stars.
    read less
    Facebook Logo
    Susan Graham Avatar
    Susan G.
    - Google
    Always timely, responsive and friendly
    Google Logo
    Myra Elmore Avatar
    Myra E.
    - Google
    Very efficient and helpful. Saved me money.
    Google Logo

about our company

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!

Get A Quote
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, Macoviak and Associates?

Choice Oyer, Macoviak and Associates

Choice

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

Easy-Oyer-Macoviak-and-Associates

Easy

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

Unbiased-Oyer-Macoviak-and-Associates

Unbiased

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

Happy Family Playing with Child

69+

Years in Business

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

Family Happy Beach

our experience

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!


quality insurance coverages

We’re Providing Quality
Insurance Coverages

Clients
Policies
Years
Who qualifies for Umbrella Insurance
Umbrella Insurance

Who qualifies for Umbrella Insurance?

Robert Macoviak 02/28/202303/23/2023 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…

Read More Who qualifies for Umbrella Insurance?Continue

Discover the Benefits of Having an Umbrella Insurance Policy
Umbrella Insurance

Discover the Benefits of Having an Umbrella Insurance Policy

Robert Macoviak 01/09/202304/26/2023 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…

Read More Discover the Benefits of Having an Umbrella Insurance PolicyContinue

How Much Does an Umbrella Insurance Policy Cost
Umbrella Insurance

How Much Does an Umbrella Insurance Policy Cost?

Robert Macoviak 10/04/202210/04/2022 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…

Read More How Much Does an Umbrella Insurance Policy Cost?Continue


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).

Get A Quote

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

Need Insurance Coverage?

Call Us Today

561-732-9305

Get A Quote

About Us:
Oyer, Macoviak and Associates
1903 South Congress Ave Ste 350
Boynton Beach, FL 33426
Phone: 561-732-9305
Toll Free: 800-397-8780
Fax: 561-364-9848
Email: info@oyerinsurance.com

Office Hours:
Monday to Friday 8:30 AM to 5:00 PM

We offer a live after-hours claim service, which makes sure that you are always taken care of. You can also go online and view, make changes or report a new claim with our client portal.

Quick Links:
Careers
Claims
Companies
Import My Insurance
Payments
Privacy Policy
Refer A Friend
Referral Partners
Service Request
Schedule Appointment

Oyer, Macoviak and Associates

© 2023 Oyer, Macoviak and Associates

Facebook Twitter Instagram Pinterest YouTube Linkedin
  • About
    • About Us
    • Blog
    • Oyer Team
    • Careers
    • Privacy Policy
    • Refer A Friend
    • Referral Partners
    • Testimonials
  • Insurance Plans
    • Business Insurance
    • Personal Insurance
  • Service
    • Client Portal Log-In
    • Client Portal Register
    • Claims
    • Companies
    • Mobile App
    • Payments
    • Service Request
    • Schedule Appointment
  • Email
  • Get A Quote
  • Client Portal
  • 561-732-9305
Search