Louisiana coverage that feels like home

Louisiana requires liability limits of at least 15/30/25: $15,000 for bodily injury per person, $30,000 per accident and $25,000 for property damage. That's the legal floor, not a plan. A serious crash on US-90 or I-10 can outrun those limits fast, and you could owe the rest.

Your insurer must also offer uninsured motorist (UM) bodily injury coverage at your liability limits. Turning it down or choosing lower limits takes a signed Louisiana Department of Insurance form. UM protects you when the at-fault driver has no insurance or not enough. We'll size your limits to what you actually have to protect.

No. Standard home, condo and renters policies exclude flood. Flood is a separate policy, and as an insurance agent we can help you buy a government-run National Flood Insurance Program (NFIP) policy.

NFIP policies have a 30-day waiting period in most cases, so don't wait for a storm in the Gulf. Limits go up to $250,000 for the building and $100,000 for contents. Much of Terrebonne Parish is in FEMA high-risk flood zones, and Lafayette flooded heavily in August 2016, so flood coverage is worth a look even if your lender doesn't require it.

Many coastal Louisiana home policies carry a separate deductible for named storms or hurricanes. Instead of a flat dollar amount, it's usually a percentage of your dwelling limit, such as 2% or 5%. On a home insured for $250,000, a 2% deductible means the first $5,000 of a hurricane claim is yours.

Find it on your declarations page before hurricane season, not after the storm. Ida in 2021 and Francine in 2024 were reminders that this number matters. We'll walk through yours with you and explain what changing it would do to your premium.

It's a Louisiana Department of Insurance program that offers grants of up to $10,000 to upgrade your roof to the IBHS FORTIFIED Roof standard. You must be accepted before work begins, and grant rounds open by lottery at ldi.la.gov/fortifyhomes.

A FORTIFIED roof also earns required discounts on the hurricane portion of your premium. Amounts vary by insurer and region. Louisiana also offers a state income tax credit for installing a fortified roof. If you're replacing your roof, call us first and we'll explain how it could affect your coverage and premium.

If you drive without insurance and get hurt in a crash that wasn't your fault, Louisiana limits what you can collect. Historically, uninsured drivers couldn't recover the first $15,000 in bodily injury or the first $25,000 in property damage. Both thresholds were raised to $100,000 under the 2025 reforms.

The 2025 reforms also changed comparative fault: if you're found 51% or more at fault, you can't recover damages, and below that your recovery is reduced by your share of fault. The simplest protection is to keep your coverage active.

Yes. Ohlmeyer Insurance is a local insurance agency led by David Ohlmeyer Jr. He and his team write Auto, home, condo, renters, landlord, motorcycle, boat, umbrella and business coverage, plus NFIP flood and life insurance, and they're your local point of contact for all of it.

We help our customers with claims, billing and policy changes. Call the office and we'll help you get the claim started and follow up with you.

Call the office closest to you. Houma (main): 6658 W Park Ave, Houma, LA 70364, (985) 876-0116. You can also text that number. Raceland: 4767 Hwy 1, Suite A, Raceland, LA 70394, same number, (985) 876-0116. Lafayette: 1019 E Saint Mary Blvd, Lafayette, LA 70503, (337) 232-1800 (calls only).

The Houma and Lafayette offices are open Monday through Friday, 8:00 AM to 5:00 PM Central; call (985) 876-0116 before visiting Raceland. Weekend and after-hours appointments available. The Houma and Raceland offices serve Terrebonne and Lafourche parishes, including Thibodaux and Morgan City. The Lafayette office serves Acadiana, including Broussard, Youngsville, New Iberia and Breaux Bridge.

Yes. A multi-policy discount is available when you bundle your auto with your home, condo or renters policy. Other discounts you may qualify for include a safe-driving program, new car, anti-lock brakes, early signing, responsible payer and good student. Discounts vary and are subject to terms, conditions and availability.

What doesn't work is quietly cutting your liability limits to save a few dollars a month. We'll review your coverage with you and make sure the discounts you qualify for are applied.