Skip to content
Oyer, Macoviak and Associates Insurance
Phone 561-732-9305service@oyerinsurance.com
  • AboutExpand
    • About Us
    • Blog
    • Oyer Team
    • Careers
    • Client Portal
    • 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
    • Log-In
    • Register
    • Claims
    • Companies
    • Mobile App
    • Payments
    • Service Request
    • Schedule Appointment
Get A Quote
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 1089 Reviews
get A Quote
or Call (561) 732-9305

Testimonials

Why People are Choosing us

  • Debbie Moore Avatar
    Debbie M.
    - Google
    Here's an example of the follow up you can expect from Oyer: I got an email saying my homeowner insurance... read moreHere's an example of the follow up you can expect from Oyer: I got an email saying my homeowner insurance was coming up for renewal and there was a note on my file that I wanted to increase my mold coverage. They scheduled an inspection, which was required for the additional coverage. The inspector noted we needed a new water heater in order to obtain the coverage. We agreed, since the photos showed the deterioration and we live in a high rise and a water heater leak would be detrimental to all the floors below. It took a couple months to obtain bids, get permits, schedule and complete the work. Oyer's office gently reminded me to send the completed invoice so I could obtain the increased coverage. You can't always expect service like this these days but you get it from Oyer. read less
    Google Logo
    Hollie McCann Avatar
    Hollie M.
    - Google
    Oyer Macoviak and Associates are all very knowledgeable, courteous. They take time to find you the best way quote... read moreOyer Macoviak and Associates are all very knowledgeable, courteous. They take time to find you the best way quote to fit your needs. I would highly recommend them to anyone who wants someone who is honest and you can feel they have your best interests. read less
    Google Logo
    Stuart M Sims Avatar
    Stuart M.
    - Facebook
    They are on top of all my insurance needs. they advise me when premiums are due, when to change to... read moreThey are on top of all my insurance needs. they advise me when premiums are due, when to change to another insurance company due to one with a better rate or when a company is downgraded. I would highly recommend them read less
    Facebook Logo
  • Kenneth Tobin Avatar
    Kenneth T.
    - Google
    GREAT customer service. They are always there to help
    Google Logo
    Myra Elmore Avatar
    Myra E.
    - Google
    Very efficient and helpful. Saved me money.
    Google Logo
    Kim Flaville Avatar
    Kim F.
    - Facebook
    I have been a cliënt of Oyer, Macoviak since 2013. Their office is within about a mile and their office... read moreI have been a cliënt of Oyer, Macoviak since 2013. Their office is within about a mile and their office is well suited. In addition year over year they add a modest fee which is standard. The staff is also very courteous and the clientele is also patient. The staff listens as to clients with regard to questions, the cost, and the terms or a better a deal.

    All around, it appears to me Oyer, Macoviak and there clientele and customers are terrific. I look forward to working for Oyer, Macoviak and will see you next year.

    Victoria Kim Flaville
    read less
    Facebook Logo
  • Ron Darna Avatar
    Ron D.
    - Facebook
    We appreciate that Oyer Macoviak & Associates have our interest in mind by recommending additional coverages to enhance our HO policy
    Facebook Logo
    Bobby Johnson Avatar
    Bobby J.
    - Facebook
    very professional rob, cheryl, and all the associates really care about there customers! i have never had a insurance... read morevery professional rob, cheryl, and all the associates really care about there customers! i have never had a insurance agency like this ,, give them a call read less
    Facebook Logo
    Amy Fisher Husted Avatar
    Amy F.
    - Facebook
    I as well as my family members have been using Oyer Insurance for decades. Everyone in the office is... read moreI as well as my family members have been using Oyer Insurance for decades. Everyone in the office is on the ball and responsive if any issues arise. Would highly recommend them and have referred several people to them over the years. read less
    Facebook Logo
  • Jack Fleischman Avatar
    Jack F.
    positive review 
    - Facebook
    Oyer, Macoviak and Associated has been our insurance agent in excess of ten years. They are always helpful in... read moreOyer, Macoviak and Associated has been our insurance agent in excess of ten years. They are always helpful in finding the best rates for auto and homeowners insurance to meet our needs. Whenever we have a question they are prompt in getting back to us. I highly recommend them for all your insurance needs. read less
    Facebook Logo
    Sharon Brauer Avatar
    Sharon B.
    positive review 
    - Facebook
    The personal service is very appreciated. Extremely knowledgeable about the Insurance Business and everyone we have interacted with has been... read moreThe personal service is very appreciated. Extremely knowledgeable about the Insurance Business and everyone we have interacted with has been very helpful! read less
    Facebook 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
  • Una Galligan Avatar
    Una G.
    - Facebook
    I want to let every know that this company is the most wonderful company to do business with
    I got...
    read moreI want to let every know that this company is the most wonderful company to do business with
    I got my insurence from them 2012
    We found the staff friendly professional and all so helpful
    We had some very horrifcie experence with other insurance company in Boynton Beach. I am very glad I was recommended to Oyer, Macoviak and Associates
    Martin and Una Galligan
    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
    david boddy Avatar
    david b.
    - Google
    These folks listen to your needs and then find the proper coverage to meet those needs. They provide sound practical... read moreThese folks listen to your needs and then find the proper coverage to meet those needs. They provide sound practical advice. They treat you as a valued client. read less
    Google Logo
  • Lois Parker Avatar
    Lois P.
    - Google
    All is good
    Google Logo
    Dan Winters Sr Avatar
    Dan W.
    - Facebook
    Hard working very fair professional insurance people .They always go out of the way to provide you with great advice... read moreHard working very fair professional insurance people .They always go out of the way to provide you with great advice and very competitive. Return calls quickly read less
    Facebook Logo
    HERB GELLER Avatar
    HERB G.
    - Google
    Nice people to deal with and fast, efficient service. H
    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
    Becky Castor Avatar
    Becky C.
    positive review 
    - Facebook
    The most friendly and helpful insurance company ever! They're happy to help with any request.
    Facebook Logo
    Charlotte & Jerry Garfinkle Avatar
    Charlotte &.
    - Google
    Very easy to work with. Straight answers the first time. Premium was very good. Real savings.
    Google Logo
  • Chino Mourlot Avatar
    Chino M.
    - Facebook
    If need insurance call them, they are professional, sincere in helping their clients and potential clients, or email
    Facebook Logo
    Kathryn Skop Avatar
    Kathryn S.
    - Google
    Excellent company! Been with them for years and will continue to do so. Great staff, always calls you back promptly.
    Google Logo
    Stephen Rubin Avatar
    Stephen R.
    - Google
    I have home and flood insurance through Oyer et al. They willingly review my insurance each year, answer questions and... read moreI have home and flood insurance through Oyer et al. They willingly review my insurance each year, answer questions and seek best policies. They are cordial and responsive. read less
    Google Logo
  • Denise Picard Avatar
    Denise P.
    - Google
    Oyer & Macoviak Insurance in Boynton Beach FL is a great company to do business with. I recently renewed my... read moreOyer & Macoviak Insurance in Boynton Beach FL is a great company to do business with. I recently renewed my automobile insurance, and they save me $400. The staff is pleasant and very knowledgeable. read less
    Google 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
    Annette Casey Avatar
    Annette C.
    positive review 
    - Facebook
    I love dealing locally and Oyer, Macoviak and Associates make it a pleasure. They are extremely knowledgeable and professional while... read moreI love dealing locally and Oyer, Macoviak and Associates make it a pleasure. They are extremely knowledgeable and professional while providing great value. They were easily able to answer all my questions and instilled a sense of confidence that just felt Good! 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
    Richard Price Avatar
    Richard P.
    - Google
    They are always there when you need them and they follow up in timely manner. They are always pleasant... read moreThey are always there when you need them and they follow up in timely manner. They are always pleasant to deal with. read less
    Google Logo
    Sandra Bogitch Avatar
    Sandra B.
    - Facebook
    Excellent company to deal with. Personal service is A+. They return phone calls and will answer questions with knowledge and explanations.
    Facebook Logo

about our company

Umbrella Insurance Coverage for More than 60 Years

An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you’re covered.

Do You Have Enough Liability Insurance?

Imagine what would happen if your dog were to bite a neighbor’s child, or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets, or your future earnings.

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 for Umbrella Insurance?

Choice Umbrella Insurance Options

Choice

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

Easy Umbrella Insurance

Easy

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

Unbiased Umbrella Insurance

Unbiased

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

Umbrella Insurance

69+

Years in Business

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


our experience

Save Up to 30%

Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available. Talk with Oyer, Macoviak and Associate to determine the right amount of coverage for your needs.

Broad Coverages

An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.

The right coverage for you is unique – Oyer, Macoviak and Associates to find out how to protect yourself, your family, and your future with the right personal umbrella insurance for you. Just call 561-732-9305 to speak with one of our agents and determine the right coverage for you.


quality insurance coverages

We’re Providing Quality
Insurance Coverages

Clients
Policies
Years
Discover the Benefits of Having an Umbrella Insurance Policy
Umbrella Insurance

Discover the Benefits of Having an Umbrella Insurance Policy

Robert Macoviak 01/09/202301/09/2023 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

The Benefits of an Umbrella Insurance Policy
Umbrella Insurance

The Benefits of an Umbrella Insurance Policy

Robert Macoviak 11/29/202111/29/2021 Reading Time: 3 minutes

Why should you purchase umbrella insurance? You might be asking yourself that question. It’s a good one, and we’re going to provide the answer! Umbrella insurance provides excess liability coverage for your home, car, or business in case of an accident or lawsuit. If someone is injured on your property and takes you to court,…

Read More The Benefits of an Umbrella Insurance PolicyContinue


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
    • Log-In
    • Register
    • Claims
    • Companies
    • Mobile App
    • Payments
    • Service Request
    • Schedule Appointment
  • Email
  • Get A Quote
  • 561-732-9305