# Insurance Agency in Houma, LA | Ohlmeyer Insurance > Your local insurance agent at 6658 W Park Ave in Houma, LA. Auto, home, flood, life and business coverage for Terrebonne and Lafourche. 4.6 stars from 451 verified customer reviews. Call or text (985) 876-0116. Source: https://ohlmeyerinsurance.com/houma/ [Home](https://ohlmeyerinsurance.com/) / Houma, Louisiana # Your Houma insurance agency on West Park Avenue. David Ohlmeyer Jr. is your local insurance agent in Bayou Cane. We help Terrebonne and Lafourche families protect their homes, cars, boats and businesses through hurricane season and beyond, and we explain it all in plain English. [Get My Free Quote](https://ohlmeyerinsurance.com/quote) [or call **(985) 876-0116**](tel:+19858760116) **25+ Years** In the Community **4.6** From 451 Verified Reviews **Local** Agency in Houma **Mon–Fri** 8 AM to 5 PM The Quick Answer **Ohlmeyer Insurance** is an **local insurance agency at 6658 W Park Ave in Houma, Louisiana**, in the Bayou Cane area across from the Lisa Park subdivision and Landmark Furniture. We're open **Monday to Friday, 8:00 AM to 5:00 PM Central**, with weekend and after-hours appointments available. Agent **David Ohlmeyer Jr.** holds a Bachelor of Science from Nicholls State University and has **25+ years in the community**. We write Auto, home, condo, renters, landlord, umbrella, motorcycle, RV, boat, life and business coverage, plus **NFIP flood** policies, across Terrebonne and Lafourche parishes. Houma homeowners should know their **named-storm deductible** and carry **separate flood coverage**. Louisiana's auto minimum is **15/30/25**. We have **4.6 stars from 451 verified customer reviews**. Call or text **[(985) 876-0116](tel:+19858760116)**. Office 6658 W Park Ave, Houma, LA 70364 Hours Mon–Fri, 8:00 AM – 5:00 PM Central Rating 4.6 from 451 verified customer reviews Call or text [(985) 876-0116](tel:+19858760116) ## Visit the Houma office. Or just call or text. Our main office is on West Park Avenue in Bayou Cane, across from the Lisa Park subdivision and Landmark Furniture. Stop in, call or text. Most quotes can be handled by phone, and we're glad to sit down in person when that's easier. Address Houma ### 6658 W Park Ave Houma, LA 70364 (Bayou Cane) [Open in Google Maps](https://www.google.com/maps/search/?api=1&query=6658%20W%20Park%20Ave%2C%20Houma%2C%20LA%2070364) · [Get directions](https://www.google.com/maps/dir/?api=1&destination=6658%20W%20Park%20Ave%2C%20Houma%2C%20LA%2070364) Phone & text [(985) 876-0116](tel:+19858760116) ### Call or text us Texts welcome on this line. Fax: (985) 655-9284. Quotes, questions and policy reviews all start here. Hours Mon–Fri ### 8:00 AM – 5:00 PM Central Weekends by appointment, and after-hours appointments are available. Already a customer? Visit the [Service Center](https://ohlmeyerinsurance.com/service-center/) for help with an existing policy. Bayou Region Roots ## Our main office is here. So is our community. Houma is home base for Ohlmeyer Insurance. David Ohlmeyer Jr. is a local insurance agent with 25+ years in the community and a Bachelor of Science from Nicholls State University in nearby Thibodaux. So when we talk about Houma, we're not reading off a map. We know what hurricane season means for Terrebonne and Lafourche, what Ida and Francine did to homes across the parish, and why a flood policy matters here even when your lender doesn't require one. The approach is simple: **Local coverage, local service.** We explain your options, help you pick the coverage that fits and stay with you as your needs change, from your first policy to your next storm season. [Meet David](https://ohlmeyerinsurance.com/about-david-ohlmeyer). ## Coverage we write for Houma families and businesses. Local coverage, local service. Personal and business coverage, explained in plain English. Pick a line to learn more, or [request a quote](https://ohlmeyerinsurance.com/quote-request) for anything below. Coverage is subject to terms, conditions and availability. [Auto Coverage built above Louisiana's 15/30/25 minimum, with uninsured motorist protection offered at your liability limits.](https://ohlmeyerinsurance.com/auto-insurance) [Home Dwelling limits set to rebuild cost, with a clear look at your named-storm deductible before hurricane season.](https://ohlmeyerinsurance.com/home-insurance) [Umbrella A personal umbrella policy adds liability above your home and auto, for households with assets to protect.](https://ohlmeyerinsurance.com/umbrella-insurance) [Condo Unit-owner coverage for the gaps between you and the association's master policy.](https://ohlmeyerinsurance.com/condo-insurance) [Renters Your belongings, your liability and somewhere to stay if the apartment becomes unlivable.](https://ohlmeyerinsurance.com/renters-insurance) [Landlords & Hosts Coverage for rental homes you own, whether you rent long-term or host short stays.](https://ohlmeyerinsurance.com/landlord-insurance) [Flood A government-run NFIP policy, bought through an insurance agent. There's a 30-day waiting period in most cases.](https://ohlmeyerinsurance.com/flood-insurance) [RV, Boat & ATV RV and motorhome, boat and ATV coverage for life on the water and the back roads.](https://ohlmeyerinsurance.com/rv-insurance) [Motorcycle Liability and physical damage coverage for Louisiana riders. Remember, Louisiana requires every rider to wear a helmet.](https://ohlmeyerinsurance.com/motorcycle-insurance) [Life Term, whole and universal life, sized to the people who depend on you. May be offered and issued by third-party companies.](https://ohlmeyerinsurance.com/life-insurance) [Business small business insurance for local small businesses, from an agent who runs one too.](https://ohlmeyerinsurance.com/business-insurance) ### Already insured? Let's look at what you have. Bring in your declarations pages or text us a photo. We'll check your limits, your named-storm deductible and any flood gaps, and point out discounts you may qualify for, such as the multi-policy bundle. Discounts vary and are subject to terms, conditions and availability. No pressure either way. [Get My Free Quote](https://ohlmeyerinsurance.com/quote) [Call (985) 876-0116](tel:+19858760116) Insuring a Houma Home and Family ## What we look at first in Houma. Wind, water and the road. Every policy is different, but the same few questions come up again and again with Terrebonne and Lafourche customers. Here's how we think about them. ### Hurricane season and named-storm deductibles Hurricane Ida made landfall near Port Fourchon on Aug. 29, 2021 and hit Houma hard. Hurricane Francine made landfall in Terrebonne Parish in September 2024. Coastal [homeowners policies](https://ohlmeyerinsurance.com/home-insurance) commonly carry a separate percentage deductible for named storms or hurricanes, for example 2% or 5% of the dwelling limit. Read your declarations page so you know your number before the next storm. If you're replacing a roof, the Louisiana Fortify Homes Program offers grants of up to $10,000 toward a FORTIFIED roof, and FORTIFIED roofs earn required discounts on the hurricane portion of your premium. Amounts vary by insurer and region. If you can't find coverage elsewhere, Louisiana Citizens is the state's insurer of last resort. ### Flood zones in Terrebonne and Lafourche Much of Terrebonne Parish is in FEMA high-risk flood zones. Standard home, condo and renters policies exclude flood, so it needs its own [flood policy](https://ohlmeyerinsurance.com/flood-insurance). You can buy a government-run NFIP policy through an insurance agent. NFIP limits are $250,000 for the building and $100,000 for contents, and there's a **30-day waiting period** in most cases. Check your zone instead of assuming, and don't wait for a storm to form. The same applies to [condo](https://ohlmeyerinsurance.com/condo-insurance) and [renters](https://ohlmeyerinsurance.com/renters-insurance) policies. ### Driving in and out of Houma Louisiana's auto minimum is **15/30/25**: $15,000 of bodily injury coverage per person, $30,000 per accident and $25,000 of property damage. Your insurer must offer uninsured motorist coverage at your liability limits, and turning it down takes a signed UM rejection form. Under the 2025 reforms, the No Pay, No Play threshold was raised to $100,000, and a driver found 51% or more at fault can't recover damages. Plenty of Houma drivers commute to Thibodaux, Morgan City and beyond, and the minimum often doesn't go far after a serious crash. We'll show you what higher limits and [UM coverage](https://ohlmeyerinsurance.com/auto-insurance) may cost before you decide. If you have a home and assets to protect, an [umbrella policy](https://ohlmeyerinsurance.com/umbrella-insurance) adds another layer on top. ### Houma businesses and rental owners David is a small business owner himself. We write [business insurance](https://ohlmeyerinsurance.com/business-insurance) for local small businesses and [landlords and hosts coverage](https://ohlmeyerinsurance.com/landlord-insurance) for rental homes, so your personal and business policies can sit with one local office. Coverage is subject to terms, conditions and availability. ## Also serving. Terrebonne, Lafourche and beyond. From Houma, we work with families and businesses across Terrebonne and Lafourche parishes, from Thibodaux down the bayous to Golden Meadow and west to Morgan City. Our [Raceland office](https://ohlmeyerinsurance.com/raceland/) on Highway 1 shares this phone line, and our [Lafayette office](https://ohlmeyerinsurance.com/lafayette/) on East Saint Mary Boulevard serves Acadiana. [Get Quote](https://ohlmeyerinsurance.com/quote) [Lafayette office](https://ohlmeyerinsurance.com/lafayette/) [Houma](https://ohlmeyerinsurance.com/quote) [Bayou Cane](https://ohlmeyerinsurance.com/quote) [Gray](https://ohlmeyerinsurance.com/quote) [Schriever](https://ohlmeyerinsurance.com/quote) [Thibodaux](https://ohlmeyerinsurance.com/quote) [Raceland office](https://ohlmeyerinsurance.com/raceland/) [Bourg](https://ohlmeyerinsurance.com/quote) [Chauvin](https://ohlmeyerinsurance.com/quote) [Montegut](https://ohlmeyerinsurance.com/quote) [Dulac](https://ohlmeyerinsurance.com/quote) [Gibson](https://ohlmeyerinsurance.com/quote) [Lockport](https://ohlmeyerinsurance.com/quote) [Larose](https://ohlmeyerinsurance.com/quote) [Cut Off](https://ohlmeyerinsurance.com/quote) [Golden Meadow](https://ohlmeyerinsurance.com/quote) [Morgan City](https://ohlmeyerinsurance.com/quote) [Terrebonne Parish](https://ohlmeyerinsurance.com/quote) [Lafourche Parish](https://ohlmeyerinsurance.com/quote) ## What customers say. 4.6 stars from 451 verified customer reviews. Customer rating 4.6 ### From 451 verified customer reviews Verified reviews on David's insurance agent page. On Google, the Houma office has 4.9 stars (22 reviews). Verified customer review · Houma ### Nelson D. “Great no hassle” Verified customer review · Houma ### Adriana Z. “Nice customer service” ## Houma insurance questions. Straight answers. Where is your Houma office, and when are you open? Our Houma office is at **6658 W Park Ave, Houma, LA 70364**, in the Bayou Cane area across from the Lisa Park subdivision and Landmark Furniture. We're open Monday through Friday, 8:00 AM to 5:00 PM Central. Weekend appointments and after-hours appointments are available. Call or text [(985) 876-0116](tel:+19858760116). Our fax is (985) 655-9284. Who will I work with at the Houma office? Ohlmeyer Insurance is a **local insurance agency** led by David Ohlmeyer Jr. He holds a Bachelor of Science from Nicholls State University and has 25+ years in the community. You get local coverage with local service from people who live here. What are the minimum auto insurance requirements in Louisiana? 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. Your insurer must offer uninsured motorist bodily injury coverage at your liability limits, and rejecting it or choosing lower limits takes a signed Louisiana Department of Insurance form. Under the 2025 reforms, the No Pay, No Play threshold was raised to $100,000, and a driver found 51% or more at fault can't recover damages. The minimum can run out fast after a serious crash, so we'll show you what higher limits cost. What is a named-storm deductible on a Houma home policy? Coastal home policies commonly carry a separate percentage deductible for named storms or hurricanes, for example 2% or 5% of the dwelling limit. On a home insured for $250,000, a 2% deductible is $5,000. Check your declarations page before hurricane season. If you're planning a new roof, ask about the Louisiana Fortify Homes Program, which offers grants of up to $10,000 toward a FORTIFIED roof. Do I need flood insurance in Houma? Very likely. Much of Terrebonne Parish is in FEMA high-risk flood zones, and standard home, condo and renters policies exclude flood. You can buy a government-run NFIP flood policy through an insurance agent. NFIP limits are $250,000 for the building and $100,000 for contents, and there's a **30-day waiting period** in most cases, so buy well before a storm is in the Gulf. I rent or own a condo in Houma. What coverage do I need? Renters insurance covers your belongings, your personal liability and extra living costs if the place becomes unlivable. Your landlord's policy covers the building, not your things. Condo owners need a unit-owner policy that fills the gaps between you and the association's master policy. Neither covers flood, so ask about an NFIP contents policy too. How much life insurance do I need? Enough to cover what the people who depend on you would need: the mortgage, debts, everyday living costs and goals like college. There's no single right number, and we'll walk through it with you. We offer term, whole and universal life. Life insurance may be offered and issued by third-party companies. Do you insure Houma businesses and rental properties? Yes. David is a small business owner himself, and we write small business insurance for local small businesses plus landlords and hosts coverage for rental properties. Coverage is subject to terms, conditions and availability. Still have questions? [Call or text (985) 876-0116](tel:+19858760116) . We'll give you a straight answer. ## Start with a quote. Or see the Lafayette office. [Get a free quote](https://ohlmeyerinsurance.com/quote) [Flood insurance](https://ohlmeyerinsurance.com/flood-insurance) [Our Lafayette office](https://ohlmeyerinsurance.com/lafayette/) [Call (985) 876-0116](tel:+19858760116) ## Your Houma insurance agency, on West Park Avenue. Free quotes, local service, plain English. Call or text, stop by West Park Avenue or start a quote online. We'll walk you through your options. [Get My Free Quote](https://ohlmeyerinsurance.com/quote) [or call **(985) 876-0116**](tel:+19858760116) --- **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).