Personal Insurance

Umbrella Insurance

Since 1953, our independent agency has helped clients compare umbrella insurance options. Tell us what you need once, and we can shop coverage with over 30 rated insurance companies.

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One request. We shop over 30 rated companies for you.

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Umbrella Insurance Coverage for More than 70 Years

Umbrella insurance can provide extra liability protection above underlying policies such as auto, home, boat, or other personal coverage. Oyer, Macoviak and Associates helps clients compare options and understand how umbrella coverage may fit their broader insurance program.

No two clients are alike, so umbrella coverage should be reviewed around your assets, household, drivers, properties, and existing policy limits. Our team can explain available options without making the process feel overwhelming.

Our job is to help you compare options, understand important limits, and choose a policy direction that fits your situation. We bring independent guidance and practical experience to the conversation.

Family reviewing added liability protection provided by umbrella insurance

One request. We shop over 30 rated companies for you.

ProgressiveThe HartfordTravelersAllstateGEICOLiberty Mutual

Why People are Choosing us

4.9 Stars - Based on 622 Google Reviews

Umbrella Insurance Options

Since 1953, Oyer, Macoviak and Associates has helped clients review insurance options with the perspective of an independent agency. We can compare umbrella coverage with multiple rated carriers and explain how it may coordinate with your existing policies.

The right umbrella policy depends on your existing coverage, assets, exposures, and comfort level with risk. Our team can help you compare coverage options and understand the limits available from different carriers.

We understand that umbrella insurance can be confusing. Oyer, Macoviak and Associates can help you review options and choose a direction that supports your overall protection plan.

Umbrella Insurance Articles

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).

01How much coverage do I need?

The cost of an umbrella policy depends on factors such as coverage limits, household drivers, underlying policies, property ownership, and prior claims. Many clients choose umbrella coverage to add another layer of liability protection beyond their base policies.

02What kind of coverage does an umbrella policy provide?

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.

03Why do I need umbrella insurance.

If you have significant assets, higher liability exposures, or concerns about a future lawsuit, umbrella coverage may provide additional protection above your underlying policies. The right approach depends on your personal situation and policy terms.

04What is umbrella insurance and what does it cover?

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).

05What types of situations are not covered by umbrella policies?

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.

06What types of lawsuits can an umbrella policy help pay?

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

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