# Louisiana Insurance Guides & Blog | Ohlmeyer Insurance > Plain-English Louisiana insurance guides from Ohlmeyer Insurance, a local agency in Houma, Raceland and Lafayette: hurricanes and named storms, flood, auto, home, renters, life and more. Source: https://ohlmeyerinsurance.com/blog/ [Home](https://ohlmeyerinsurance.com/) / Blog # Louisiana insurance, explained in plain English. Guides to the questions South Louisiana families and business owners actually ask: the 15/30/25 minimum, named-storm deductibles, flood zones, Louisiana Citizens, roof grants and what it really takes to pay less. From a local insurance agency in Houma, Raceland and Lafayette. [or call **(985) 876-0116**](tel:+19858760116) **4.6** 451 Verified Reviews **25+ Years** In the Community **Local** Insurance Agency **3 Offices** Houma, Raceland & Lafayette What You'll Find Here This blog covers **Louisiana insurance** the way we explain it across the desk: **hurricane and named-storm deductibles**, **Louisiana Citizens**, the **Fortify Homes** roof grants and **flood insurance** through the NFIP; auto guides on the **15/30/25 minimum**, uninsured drivers and the **2025 reforms**; the **cheapest and best** ways to cover your car and home without gaps; and guides for renters, landlords, boat owners, families and small businesses. Every guide is written by **Ohlmeyer Insurance**, a local insurance agency led by **David Ohlmeyer Jr.** with offices in Houma, Raceland and Lafayette. When you're ready for real numbers, call **[(985) 876-0116](tel:+19858760116)**. Focus Louisiana rules and Louisiana risks Offices Houma, Raceland & Lafayette, Louisiana Written by The Ohlmeyer Insurance team Free quotes [(985) 876-0116](tel:+19858760116) No guides match that search yet. Try a different word, or call [(985) 876-0116](tel:+19858760116) and ask us directly. ## Home insurance. Louisiana homes, real questions. Rising premiums, roofs, older and raised homes, nonrenewals and what a Louisiana home policy actually pays after a storm. Start with the guides below. Home ### Louisiana Homeowners Insurance Guide: Coverage, Costs and Hurricane Questions What a Louisiana home policy covers, what moves the price, and the hurricane, flood and roof questions to ask so your quote fits your house and parish. Home ### Cheapest Homeowners Insurance in Louisiana: How to Lower Your Premium Without Gaps How Louisiana home insurance premiums are set and legitimate ways to lower yours, like roof upgrades and deductible choices, without leaving storm gaps. Home ### How Much Is Homeowners Insurance in Louisiana? What drives homeowners insurance costs in Louisiana, from roof age and construction to wind exposure and deductibles, and how each one shows up in a quote. Home ### Best Homeowners Insurance in Louisiana: Coverage That Holds Up in Hurricane Season The home coverage choices that hold up in a Louisiana hurricane season: dwelling amount, named-storm deductible, wind, flood and living expense coverage. Home ### Mobile and Manufactured Home Insurance in Louisiana How mobile and manufactured home insurance works in Louisiana, what it covers, how the home's age and setup affect coverage, and what to ask before you buy. Home ### Why Are Home Insurance Rates Rising in Louisiana? Why Louisiana home insurance rates have climbed after recent hurricanes, what that means at renewal, and steps that can help, like a FORTIFIED roof. Home ### Home Insurance Nonrenewal in Louisiana: The 60-Day Notice and Your Next Steps What to do when a Louisiana home policy is nonrenewed or canceled: the 60-day notice under the 2025 reforms, your options, and Louisiana Citizens as a last resort. Home ### Homeowners Insurance Quotes in Louisiana: Information to Gather The home details to gather before a Louisiana homeowners quote: roof age and type, updates, square footage and claims history, so the quote fits your house. Home ### Replacement Cost vs. Actual Cash Value After a Louisiana Storm Claim The difference between replacement cost and actual cash value after a Louisiana storm claim, and how depreciation can change what your policy pays. Home ### Best Home Insurance for Older and Raised Homes in South Louisiana Home insurance questions for older and raised homes in South Louisiana: roof age, wiring and plumbing updates, elevation, and coverage for what sits underneath. Home ### Stated Value Homeowners Policies: What Louisiana's 2025 Law Requires Insurers to Offer What Louisiana's 2025 law requiring insurers to offer a stated value homeowners policy means, how it differs from replacement cost, and who may want one. Home ### Which Home Insurance Discounts May Be Available in Louisiana? Home insurance discounts Louisiana homeowners can ask about, like multi-policy and FORTIFIED roof credits, subject to terms, conditions and availability. Home ### Is Mold Covered by Homeowners Insurance in Louisiana? When Louisiana homeowners insurance may cover mold, when it usually won't, and how humidity, slow leaks and storm water can change the answer. Home ### Best Homeowners Insurance for First-Time Buyers in Louisiana: What to Line Up Before Closing What first-time Louisiana buyers should line up before closing: lender coverage requirements, a flood zone check, wind deductibles and the right dwelling amount. Home ### Homeowners Insurance for Veterans in Louisiana: What to Ask About Home insurance questions for Louisiana veterans, including VA-loan buyers: lender requirements, hurricane and flood coverage, and what to review on your policy. Home ### How to Choose a Home Insurance Deductible How to choose a home insurance deductible in Louisiana, how it works alongside a separate named-storm deductible, and what you could afford after a storm. Home ### How Much Dwelling Coverage Do You Need? Rebuilding Cost vs. Market Value Why dwelling coverage should match rebuilding cost rather than market value, how to estimate it for a Louisiana home, and what happens if it is too low. Home ### Homeowners Liability Coverage: How Much Is Enough? What homeowners liability coverage pays when someone is hurt on your property, how to choose a limit for a Louisiana home, and when an umbrella helps. Home ### How to Switch Home Insurance Without an Escrow Problem How to switch home insurance in Louisiana without an escrow mix-up: timing the change, notifying your mortgage servicer and handling the old policy refund. Home ### Does Home Insurance Cover Sewer or Water Backup? Whether home insurance covers sewer or drain backup in Louisiana, why it is often an add-on, and how backup differs from flood under an NFIP policy. ## Hurricanes, named storms and Louisiana Citizens. South Louisiana's real risk. Named-storm deductibles, wind-only gaps, the Fortify Homes roof grants, Louisiana Citizens and how to file a claim after the storm. Hurricanes ### Hurricane Insurance in Louisiana: How Wind, Flood and Named-Storm Deductibles Fit Together How hurricane coverage works in Louisiana: wind under your home policy, flood under a separate policy, and the named-storm deductible that sits between them. Hurricanes ### Louisiana Citizens Property Insurance: Who Qualifies, What It Covers and How to Leave It Who qualifies for Louisiana Citizens, how its FAIR Plan and Coastal Plan differ, what the coverage includes, and what it takes to move back to the private market. Hurricanes ### Louisiana Fortify Homes Program: Roof Grants, Lottery Rounds and How to Apply How Louisiana's Fortify Homes Program grants up to $10,000 toward a FORTIFIED roof, how the lottery rounds work, and why approval must come before any work begins. Hurricanes ### Named-Storm and Hurricane Deductibles in Louisiana: How Percentage Deductibles Work How percentage named-storm and hurricane deductibles work in Louisiana, how to find yours on the declarations page, and what it could mean out of pocket. Hurricanes ### FORTIFIED Roof Discounts in Louisiana: What the 2027 Benchmarks Mean for Your Premium What Louisiana's 2027 FORTIFIED benchmarks mean for the hurricane portion of your premium and how Roof, Silver and Gold differ. Amounts vary by insurer and region. Hurricanes ### How to File a Hurricane Insurance Claim in Louisiana How to file a hurricane claim in Louisiana: who to call first, what to photograph, which temporary repairs to make, and how wind and flood claims are handled. Hurricanes ### Wind and Hail Insurance in Louisiana: Wind-Only Policies and Coverage Gaps How wind and hail coverage works in Louisiana, when a wind-only policy fills the gap, and the deductibles and exclusions to check before storm season. Hurricanes ### Additional Living Expenses After a Hurricane: What Pays While You're Out of Your Home How additional living expenses coverage helps pay for a hotel, meals and other costs while a hurricane-damaged Louisiana home is repaired, and the limits to know. Hurricanes ### Roof Age and Home Insurance in Louisiana: Roof Schedules and the Louisiana Roof Registry How roof age affects Louisiana home insurance, what a roof payment schedule can mean at claim time, and what the new Louisiana Roof Registry is for. Hurricanes ### Wind vs. Flood: How Hurricane Damage Gets Split Between Policies How hurricane damage gets split between your home policy and your flood policy, why wind and water are handled separately, and how to document both. Hurricanes ### Hurricane Season Insurance Checklist for Louisiana Homeowners A pre-season checklist for Louisiana homeowners: review deductibles, confirm flood coverage ahead of the 30-day wait, document belongings and know how to file. Hurricanes ### Fallen Trees After a Storm: What Home Insurance Pays to Remove When home insurance helps pay to remove a tree that falls in a Louisiana storm, when it usually won't, and what changes if the tree hits your house or car. Hurricanes ### What Happens to Your Policy if Your Insurer Goes Insolvent in Louisiana? (LIGA Explained) What happens to your policy and open claims if a Louisiana insurer becomes insolvent, how the state's guaranty association (LIGA) steps in, and what to do next. Hurricanes ### Rebuilding to Code After a Hurricane: Ordinance or Law Coverage in Louisiana How ordinance or law coverage helps pay to rebuild to current code after a Louisiana hurricane, why a standard policy may fall short, and what to ask. Hurricanes ### Evacuating for a Hurricane: What Your Home and Auto Policies Cover While You're Gone What your home and auto policies may cover when you evacuate for a Louisiana hurricane, including living expenses, and which receipts to save for a claim. ## Flood insurance. Home policies don't cover it. NFIP flood coverage, flood zone maps, the 30-day wait, elevation certificates and raised homes, explained for Louisiana. Flood ### Flood Insurance in Louisiana: NFIP Coverage, Costs and the 30-Day Wait How NFIP flood insurance works in Louisiana: the $250,000 building and $100,000 contents limits, the 30-day wait, and why standard home policies exclude flood. Flood ### Louisiana Flood Zone Maps: How to Look Up Your Zone and What It Means for Insurance How to look up your Louisiana flood zone on FEMA's maps, what the zone letters mean, and how your zone affects flood insurance requirements and pricing. Flood ### How Much Is Flood Insurance in Louisiana? What shapes the cost of flood insurance in Louisiana, from elevation and distance to water to building and contents limits, and how to read an NFIP quote. Flood ### Do You Need Flood Insurance Outside a High-Risk Zone in Louisiana? Why flooding can still reach homes outside Louisiana's high-risk zones, what NFIP coverage looks like there, and the questions to weigh before you skip it. Flood ### The Flood Insurance Waiting Period: When Coverage Starts and the Exceptions When a new flood policy starts after the NFIP's 30-day waiting period, the exceptions that can apply, and why waiting until a storm is named is too late. Flood ### Elevation Certificates in Louisiana: When You Need One and How It Affects Flood Rates What an elevation certificate shows, when a Louisiana homeowner may need one, and how your home's elevation can affect NFIP flood insurance pricing. Flood ### Cheapest Flood Insurance in Louisiana: Legitimate Ways to Lower an NFIP Premium How NFIP flood premiums are set in Louisiana and legitimate ways to lower yours: elevation, deductible choices, building and contents limits and community ratings. Flood ### Flood Insurance for Renters: Contents-Only Coverage How contents-only flood insurance protects a renter's belongings in Louisiana, the NFIP's $100,000 contents limit, and why renters policies exclude flood. Flood ### Flood Insurance for Raised Homes: What's Covered Under the House What NFIP flood insurance covers beneath a raised Louisiana home, how items stored under the house are treated, and what to ask before the next storm. Flood ### Risk Rating 2.0 in Louisiana: How NFIP Pricing Works Now How the NFIP's Risk Rating 2.0 prices flood insurance in Louisiana, which property factors matter now, and what it can mean for your renewal. Flood ### Increased Cost of Compliance: NFIP Help to Elevate or Rebuild After a Flood How NFIP Increased Cost of Compliance coverage can help elevate or rebuild a substantially damaged Louisiana home after a flood, and who may qualify. Flood ### Buying a Home in a Louisiana Flood Zone: Lender Requirements and Questions to Ask What to know before buying a home in a Louisiana flood zone: when lenders require flood insurance, the 30-day wait, and questions to ask before closing. ## Auto insurance. Past the 15/30/25 minimum. Louisiana's minimum, uninsured drivers, the 2025 reforms, the cheapest and best ways to cover your car, and guides for teens, seniors and military drivers. [Auto Louisiana Car Insurance Guide: Requirements, Costs and Quotes What Louisiana drivers must carry, what pushes rates up, and the coverage and quote questions to settle so your policy fits how and where you drive.](https://ohlmeyerinsurance.com/blog/auto/louisiana-car-insurance-guide-requirements-costs-and-quotes/) Auto ### Cheapest Car Insurance in Louisiana: How to Get the Lowest Rate Without Gaps How Louisiana car insurance rates are set and legitimate ways to pay less, from deductibles to discounts, without dropping coverage you may need after a crash. Auto ### Best Car Insurance in Louisiana: The Coverage Choices That Actually Matter The Louisiana car insurance choices that matter most: liability limits, uninsured motorist, deductibles and physical damage, and how to fit them to your situation. Auto ### What Car Insurance Is Required in Louisiana? The 15/30/25 Minimum Explained What Louisiana's 15/30/25 minimum actually pays after a crash, where it falls short, and the limits worth asking about before you settle on the legal floor. Auto ### Best Car Insurance for Military Members in Louisiana: Deployment, Storage and PCS Moves Car insurance questions for military members in Louisiana: deployment, storing a vehicle, PCS moves in or out of state, and keeping coverage in place. Auto ### How Much Is Car Insurance in Louisiana, and Why Is It So High? Why Louisiana car insurance costs what it does, the driver, vehicle and location factors that move your rate, and which coverage choices change the price. Auto ### Cheapest Full Coverage Car Insurance in Louisiana: Keeping Full Coverage Affordable How full coverage car insurance is priced in Louisiana and legitimate ways to keep it affordable, from deductible choices to discounts, without cutting protection. Auto ### Louisiana's 2025 Insurance Reforms: What Changed for Drivers A plain-English rundown of Louisiana's 2025 reforms for drivers: No Pay No Play, the 51% fault rule, first-lapse surcharges, texting limits and turning 65. Auto ### Uninsured Motorist Coverage in Louisiana: Should You Ever Sign the Rejection Form? What uninsured motorist coverage pays in Louisiana, what you give up by signing the LDI rejection or lower-limits form, and questions to ask before you sign. Auto ### Car Insurance Quotes in Louisiana: What to Have Ready The driver, vehicle and coverage details to gather before a Louisiana car insurance quote, so the price you get reflects the policy you actually want. Auto ### Which Car Insurance Discounts May Be Available in Louisiana? Car insurance discounts Louisiana drivers can ask about, like multi-policy, safe-driving and good student, subject to terms, conditions and availability. Auto ### Louisiana's "No Pay, No Play" Law: What Uninsured Drivers Can't Collect How Louisiana's No Pay No Play law limits what uninsured drivers can collect after a crash, and how the 2025 reforms raised that threshold to $100,000. Auto ### Louisiana's 51% Comparative Fault Rule: How Fault Affects an Accident Claim How Louisiana's 51% comparative fault rule works after a crash: when your recovery is reduced by your share of fault and when it is barred entirely. Auto ### Driving Without Insurance in Louisiana: Penalties, Lapses and Getting Covered Again The penalties for driving uninsured in Louisiana, from license suspension to impoundment, how the 2025 reforms treat a first lapse, and how to get covered again. Auto ### Full Coverage Car Insurance in Louisiana: What the Phrase Actually Includes What 'full coverage' usually means in Louisiana, which pieces it can still leave out, and how to read your declarations page so the phrase matches your policy. Auto ### Gap Insurance in Louisiana: Financed and Leased Vehicles How gap coverage works on a financed or leased car in Louisiana, when a total loss leaves you owing more than the car is worth, and what to ask your lender. Auto ### Does Car Insurance Cover Flood Damage? Flooded Cars After a Louisiana Storm Whether car insurance covers a flooded car after a Louisiana storm, the role of comprehensive coverage, and the steps to take before you try to start the engine. Auto ### Best Car Insurance for Seniors in Louisiana: Coverage and Cost Questions Car insurance questions for Louisiana seniors: what the 2025 reforms say about turning 65, coverage choices to review and the factors that move your rate. Auto ### Cheap Car Insurance for Young Drivers in Louisiana: Own Policy or a Parent's? How car insurance is priced for young Louisiana drivers, whether staying on a parent's policy or buying your own costs less, and legitimate ways to lower the rate. Auto ### Cheap Car Insurance in Baton Rouge, LA: How to Lower Your Rate Without Gaps How car insurance rates are set for Baton Rouge drivers and legitimate ways to lower yours, with quotes handled remotely from our Houma, Raceland and Lafayette offices. Auto ### What to Do After a Car Accident in Louisiana: Insurance Steps The insurance steps to take after a car accident in Louisiana: what to document, when to report it, and how fault and your coverage shape the claim. Auto ### Best Car Insurance for Teen Drivers in Louisiana: Permit, License and Policy Questions What changes when a Louisiana teen gets a permit or license, whether to add them to your policy, and the coverage choices that fit a new driver. Auto ### Proof of Insurance in Louisiana: Digital ID Cards, Traffic Stops and Registration What counts as proof of insurance in Louisiana, how digital ID cards work at a traffic stop or registration, and what happens when proof can't be shown. Auto ### Car Insurance Rates Going Up in Louisiana? What to Review at Renewal Why a Louisiana auto renewal can come in higher, and what to review at renewal: limits, deductibles, drivers, vehicles and the discounts you may qualify for. Auto ### Hit by an Uninsured Driver in Louisiana: What Pays? What pays when an uninsured driver hits you in Louisiana: uninsured motorist bodily injury and property damage, the rejection form, and filing the claim. Auto ### Moving to Louisiana? Registering Your Car and Updating Your Insurance What to update when you move to Louisiana: registering your car, meeting the 15/30/25 minimum and switching your policy without a gap in coverage. Auto ### Car Insurance for Veterans in Louisiana: What to Ask About Car insurance questions for Louisiana veterans: coverage that fits how you drive, what to review on your policy and what to ask when you request a quote. Auto ### Best Car Insurance for College Students in Louisiana Car insurance questions for Louisiana college students: staying on a parent's policy, leaving a car at home or taking it to campus, and coverage that fits. Auto ### Cheap Car Insurance in Shreveport, LA: How to Lower Your Rate Without Gaps How car insurance rates are set for Shreveport drivers and legitimate ways to lower yours, with quotes handled remotely from our Houma, Raceland and Lafayette offices. Auto ### How an At-Fault Accident Affects Your Car Insurance How an at-fault accident can affect your car insurance in Louisiana, how fault is weighed under the 51% rule, and what to review at your next renewal. Auto ### Collision vs. Comprehensive: What Each Covers What collision covers, what comprehensive covers, how Louisiana flood, hail and deer claims fit in, and when carrying both makes sense for your car. Auto ### How to Choose a Car Insurance Deductible How to choose a car insurance deductible: the trade-off between premium and out-of-pocket cost, and how to pick an amount you could pay after a claim. Auto ### How Much Liability Car Insurance Should You Carry in Louisiana? Why Louisiana's 15/30/25 minimum may not be enough, how to weigh higher liability limits against what you own, and how limits affect your premium. Auto ### Liability-Only vs. Full Coverage in Louisiana: When Does Each Make Sense? When liability-only makes sense in Louisiana and when full coverage is worth it, based on your car's value, your loan or lease and what you could replace. Auto ### Can Someone Else Drive Your Car and Be Covered? When someone else can drive your car and still be covered, how household members and occasional drivers are treated, and when to list them on your policy. Auto ### What Drives Your Car Insurance Rate in Louisiana? The factors that drive a Louisiana car insurance rate: driving record, vehicle, ZIP code, coverage choices and more, and which ones you can change. Auto ### How to Switch Car Insurance Without a Coverage Gap How to switch car insurance in Louisiana without a coverage gap: timing the start date, canceling the old policy, and updating your lender and proof. ## Houma, Lafayette and nearby. Local guides from our three offices. Car and home insurance in Houma, Thibodaux, Morgan City and Lafayette, plus cheap car insurance guides for the markets people search most. Local ### Car Insurance in Houma, LA: Coverage, Costs and Quote Questions Car insurance questions for Houma drivers: Louisiana's 15/30/25 minimums, uninsured motorist choices, flooded-car risk in Terrebonne and what moves your rate. Local ### Home Insurance in Houma, LA: Hurricane, Flood and Roof Questions Home insurance in Houma: Terrebonne flood zones, named-storm deductibles, roof questions after Ida and Francine, and what to ask so your quote fits your house. Local ### Car Insurance in Lafayette, LA: Coverage, Costs and Quote Questions Car insurance for Lafayette drivers: Louisiana's 15/30/25 minimums, I-10 commutes, uninsured motorist choices and the factors that move your rate in Acadiana. Local ### Home Insurance in Lafayette, LA: Hurricane, Flood and Roof Questions Home insurance in Lafayette: lessons from the 2016 flood, hurricane deductibles after Laura and Delta, roof questions and what to ask before you get a quote. Local ### Cheap Car Insurance in Lafayette, LA: How to Lower Your Rate Without Gaps How car insurance rates are set for Lafayette drivers and legitimate ways to lower yours, from deductibles to discounts, without leaving gaps in your coverage. Local ### Cheap Car Insurance in Houma, LA: How to Lower Your Rate Without Gaps How car insurance rates are set for Houma drivers and legitimate ways to lower yours, from deductibles to discounts, without dropping storm or UM coverage. Local ### Car Insurance in Thibodaux, LA: Coverage, Costs and Quote Questions Car insurance for Thibodaux and Lafourche Parish drivers: Louisiana's minimums, uninsured motorist choices, storm flooding and the factors that shape your rate. Local ### Home Insurance in Thibodaux, LA: Hurricane, Flood and Roof Questions Home insurance in Thibodaux: Lafourche flood risk, hurricane deductibles, roof questions after Ida, and what to ask so your quote fits your home. Local ### Car Insurance in Morgan City, LA: Coverage, Costs and Quote Questions Car insurance for Morgan City drivers: Louisiana's minimums, uninsured motorist choices, US-90 commutes and storm flooding, and what moves your rate. Local ### Home Insurance in Morgan City, LA: Hurricane, Flood and Roof Questions Home insurance in Morgan City: flood zones near the Atchafalaya, hurricane deductibles, roof questions and what to ask so your quote fits your house. Local ### Renters Insurance in Houma, LA: Coverage and Cost Questions Renters insurance for Houma tenants: what it covers for belongings and liability, why flood is separate in Terrebonne Parish, and what moves the cost. Local ### Renters Insurance in Lafayette, LA: Coverage and Cost Questions Renters insurance for Lafayette tenants: belongings and liability coverage, why flood is separate after the 2016 flood, and what shapes the cost in Acadiana. Local ### Best Car Insurance in Lafayette, LA: Coverage Choices for Local Drivers The coverage choices that matter for Lafayette drivers: liability limits, uninsured motorist, comprehensive for flood and hail, and deductibles in Acadiana. Local ### Best Car Insurance in Houma, LA: Coverage Choices for Local Drivers The coverage choices that matter for Houma drivers: liability limits, uninsured motorist, comprehensive for storm flooding, and deductibles in Terrebonne. ## Renters insurance. Your things, your liability. What renters insurance covers in Louisiana, what it costs, and how it helps when a hurricane makes your apartment unlivable. Renters ### Cheapest Renters Insurance in Louisiana: What Coverage Costs and How to Pay Less How renters insurance is priced in Louisiana and legitimate ways to pay less, like bundling or a higher deductible, without leaving key coverage gaps. Renters ### Renters Insurance in Louisiana: Coverage, Cost and Hurricane Questions What renters insurance covers in Louisiana, from belongings and liability to living expenses after a storm, what it costs, and why flood needs its own policy. Renters ### Renters Insurance for UL Lafayette and Nicholls State Students Renters insurance for UL Lafayette and Nicholls State students: whether a parent's policy reaches your dorm or apartment, and when your own policy makes sense. Renters ### Renters Insurance After a Hurricane: Belongings, Evacuation and Where You Stay What renters insurance pays after a Louisiana hurricane: damaged belongings, evacuation costs and where you stay, plus why flood damage needs separate coverage. Renters ### Can a Landlord Require Renters Insurance in Louisiana? What the guide explains about Louisiana landlords requiring renters insurance in a lease, what coverage they usually ask for, and how to show proof. Renters ### Your Landlord's Insurance vs. Renters Insurance What your landlord's insurance covers, what it leaves out for your belongings and liability, and why Louisiana renters may want a policy of their own. ## Condo and townhome insurance. Where the HOA policy stops. HO-6 coverage, the association's master policy and the hurricane deductible an HOA can pass on to owners. Condo ### Condo and Townhome Insurance in Louisiana: HO-6 and the HOA Master Policy How HO-6 condo and townhome insurance works with your HOA master policy in Louisiana, where the master policy stops, and what your unit coverage should pick up. Condo ### Your HOA's Hurricane Deductible: How Loss Assessment Coverage Works What happens when your Louisiana HOA's hurricane deductible is passed on to owners, and how loss assessment coverage on your HO-6 can help pay your share. ## Landlord insurance. Rentals, covered properly. Coverage for rental homes, camps and short-term rentals in Louisiana. Landlord ### Landlord Insurance in Louisiana: Coverage for Rental Homes How landlord insurance covers a Louisiana rental home: the dwelling, lost rent and liability, how it differs from a homeowners policy, and storm questions to ask. Landlord ### Short-Term Rental and Camp Rental Insurance in Louisiana What changes when you rent out a home or fishing camp short term in Louisiana, where a regular home policy may fall short, and the coverage questions to ask. ## Umbrella and bundling. More protection, fewer policies to juggle. Extra liability above your home and auto, and when bundling actually saves. Umbrella ### Umbrella Insurance in Louisiana: Who Needs It and How Much What umbrella insurance adds on top of your Louisiana auto and home liability, who tends to need it, and how to think about how much coverage to carry. Umbrella ### Bundling Home and Auto in Louisiana: When It Actually Saves When bundling home and auto in Louisiana can lower your total cost, when it may not, and what to check so a multi-policy discount doesn't hide a coverage gap. ## Boat, RV and ATV insurance. For the bayou, the lake and the road. Boats, travel trailers and RVs, with storm plans for hurricane season. Boat & RV ### Boat Insurance in Louisiana: Bayou, Lake and Gulf Coverage Questions Boat insurance for Louisiana waters: what it covers on the bayou, lake or Gulf, how where you boat affects coverage, and the storm questions to ask before launch. Boat & RV ### Travel Trailer and RV Insurance in Louisiana How travel trailer and RV insurance works in Louisiana, what it covers on the road and parked at camp, and the storm and full-time living questions to ask. ## Motorcycle insurance. Ride all year. Louisiana motorcycle requirements, the helmet law and what affects your rate. Motorcycle ### Motorcycle Insurance in Louisiana: Requirements and Coverage Questions Louisiana motorcycle insurance basics: the liability you must carry, coverage for your bike and gear, uninsured motorist choices and what moves the price. Motorcycle ### Louisiana's Helmet Law and What It Means for Your Motorcycle Insurance How Louisiana's universal helmet law applies to every rider, and what the guide explains about how helmets and safety gear can come up in a motorcycle claim. ## Life insurance. Plans that keep your family on track. Term, whole and universal life, how much you need, and guides for seniors, veterans and young families. Life ### Life Insurance in Louisiana: How Term, Whole and Universal Life Compare How term, whole and universal life insurance compare for Louisiana families: how long each lasts, how cash value works, and which questions fit your goals. Life ### Whole Life Insurance: Guarantees, Cash Value and What It Costs How whole life insurance works: what the policy locks in, how cash value builds, which values can change, and what drives the cost of lifetime coverage. Life ### Best Life Insurance for Seniors in Louisiana: Options Over 60 Life insurance options for Louisianans over 60: how term and permanent coverage differ, how underwriting works at older ages, and what to ask before you apply. Life ### Life Insurance Quotes: What Underwriters Ask and What to Have Ready What life insurance underwriters typically ask about health, habits and family history, and the details to have ready so your quote reflects your situation. Life ### Mortgage Protection Insurance vs. Term Life in Louisiana How mortgage protection insurance differs from a term life policy for Louisiana homeowners, who gets paid, and the questions to ask before choosing either one. Life ### Best Life Insurance for Parents and Young Families How parents and young families can choose life insurance: how much coverage to carry, a term length to match your mortgage and kids, and when to buy. Life ### Universal Life Insurance: How Flexible Premiums and Cash Value Work How universal life insurance works: flexible premiums, how cash value is credited and charged, and the difference between minimum and illustrated values. Life ### How Much Life Insurance Do You Need? How to estimate how much life insurance your family may need, from income and mortgage to debts and college, and why the right amount changes over time. Life ### Cheapest Life Insurance: How to Get the Lowest Term Rate You Qualify For How term life rates are set and legitimate ways to qualify for a lower one: term length, coverage amount, health, habits and the timing of when you apply. Life ### Life Insurance for Veterans in Louisiana: Beyond Military Coverage How Louisiana veterans can weigh VA life insurance options alongside a private policy, what each covers, and the questions to ask after leaving the service. ## Small business insurance. From a small business owner. Workers' comp, commercial auto and what a Houma or Lafayette small business needs. Business ### Workers' Compensation in Louisiana: When Employers Need It What the guide explains about when Louisiana employers need workers' compensation, what it covers for injured employees, and where to confirm current rules. Business ### Small Business Insurance in Louisiana: What a Houma or Lafayette Business Needs What insurance a Houma or Lafayette small business may need, from general liability and property to business auto, and the hurricane questions to ask. Business ### Commercial Auto Insurance in Louisiana: Work Trucks and Vans How commercial auto insurance covers work trucks and vans in Louisiana, when a personal policy stops covering business use, and what to ask before you quote. ## About this blog. Fair questions. Who writes these guides? The team at Ohlmeyer Insurance, a local insurance agency led by David Ohlmeyer Jr. with offices in Houma, Raceland and Lafayette. Topics come from the questions South Louisiana families and business owners ask us every week. When Louisiana rules or the insurance market change, we update the guides to match. Is this personalized insurance advice? No. These guides explain how Louisiana insurance works and what people in similar situations tend to consider. Coverage that fits your home, cars and family takes a conversation. That conversation is free and starts at our quote page or (985) 876-0116. What do you mean by "cheapest" and "best"? "Cheapest" guides explain how rates are set and the legitimate ways to pay less without leaving gaps. "Best" guides explain which coverage fits a situation, such as a teen driver or a raised home. They don't rank insurance companies, and your actual price depends on your home, cars, record and the coverage you choose, subject to terms, conditions and availability. When do the guides go live? Every topic on this page is on our publishing calendar, starting with the Louisiana car and homeowners guides and hurricane coverage. Cards become clickable as each guide is published. If you have a question that can't wait, call (985) 876-0116. Have a question a guide didn't answer? [Call (985) 876-0116](tel:+19858760116) . We like the hard ones. ## Read up. Then get covered right. [Get a free quote](https://ohlmeyerinsurance.com/quote) [Home insurance](https://ohlmeyerinsurance.com/home-insurance) [Flood insurance](https://ohlmeyerinsurance.com/flood-insurance) [Meet David](https://ohlmeyerinsurance.com/about-david-ohlmeyer) ## Done reading? Get your real number. Free, fast, and in plain English. Tell us about your home, your cars and your plans. We'll walk you through the coverage that fits and what it costs, from our offices in Houma, Raceland and Lafayette. [Call (985) 876-0116](tel:+19858760116) [or get a **free quote** online](https://ohlmeyerinsurance.com/quote) --- **Ohlmeyer Insurance** (David Ohlmeyer Jr.) · Houma: 6658 W Park Ave, Houma, LA 70364, (985) 876-0116 · Raceland: 4767 Hwy 1, Suite A, Raceland, LA 70394, (985) 876-0116 (same line as Houma) · Lafayette: 1019 E Saint Mary Blvd, Lafayette, LA 70503, (337) 232-1800 · Houma and Lafayette open Mon–Fri 8:00 AM–5:00 PM Central; call ahead for Raceland Request a quote: https://ohlmeyerinsurance.com/quote-request (plain HTML form) or https://ohlmeyerinsurance.com/quote (guided).