# Ohlmeyer Insurance | Insurance Agent in Houma & Lafayette, LA > David Ohlmeyer Jr. is your local insurance agent in Houma, Raceland and Lafayette, Louisiana. Home, auto, flood, life and business coverage with local service. Call (985) 876-0116. Source: https://ohlmeyerinsurance.com/ # Louisiana coverage that feels like home Home, auto, flood, life and business coverage, with local service from David Ohlmeyer Jr. and his team in Houma, Raceland and Lafayette. [Get My Free Quote](https://ohlmeyerinsurance.com/quote) **25+ years** in the community **3 offices** Houma, Raceland & Lafayette **4.6** 451 verified customer reviews 25+ years in the community ## Local service, done right. David Ohlmeyer Jr. is your local insurance agent, with offices in Houma, Raceland and Lafayette. A Nicholls State alumnus and a small business owner himself, he and his team explain your coverage in plain English and stay with you from the first policy through every renewal and claim. 4.6 451 verified customer reviews 25+ Years in the community 2 Local offices [Call (985) 876-0116](tel:+19858760116) [Get a free quote](https://ohlmeyerinsurance.com/quote) ## Ohlmeyer Insurance helps protect the life you're building. [Local coverage, local service. Your local insurance agent, with an office you can walk into.](https://ohlmeyerinsurance.com/quote) [Talk to a real person. David and his team, in Houma, Raceland and Lafayette. Not an 800-number queue.](tel:+19858760116) [A free review, every year. New car, new roof, new baby: as your life changes, your coverage keeps up.](https://ohlmeyerinsurance.com/quote) [Flood is a separate policy. NFIP flood coverage usually has a 30-day wait. Don't wait for the forecast.](https://ohlmeyerinsurance.com/flood-insurance) [Landlords & hosts. Coverage for the house or duplex you rent out, and the liability that comes with it.](https://ohlmeyerinsurance.com/landlord-insurance) [Small business, local agent. David is a small business owner himself. Coverage for South Louisiana shops and services.](https://ohlmeyerinsurance.com/business-insurance) [Ready for hurricane season. Named-storm deductible, roof and flood coverage reviewed before the storms.](https://ohlmeyerinsurance.com/home-insurance) [Bundle home + auto. One agent, one review, and a multi-policy discount, subject to terms, conditions and availability.](https://ohlmeyerinsurance.com/quote) Local, on purpose ## A price, or a plan. We check your coverage before we quote it. A price-only quote gets you a number fast. It often starts at the **15/30/25 minimum**, with gaps that don't show up until a claim.A coverage review finds the gaps first: your **uninsured motorist form**, flood, your **named-storm deductible** in dollars. Then we price it. ## Watch us build your quote. Here's what happens after you send us your ZIP: we review your household line by line, then show you three ways to build one policy, not just a price. Sample household ### Houma, LA 70364 - **2** drivers, one a new teen - **2** cars - **1** raised home - Bundle: auto + home Reviewing your coverage… **0** / 10 checks - Liability limits - Uninsured motorist form - Comprehensive - Named-storm deductible - Flood (NFIP) - Roof & FORTIFIED - Teen driver - Umbrella - Multi-policy discount - Safe-driving program ### State minimum $ $ $ Legal on the road. It pays other people, up to low limits, and little else. Liability 15/30/25 Uninsured motorist Rejected Car deductible No comprehensive - No flood quote Our recommendation ### Recommended $ $ $ The coverage we'd suggest for this household, priced so you can see each choice. Liability 100/300/100 Uninsured motorist 100/300 Car deductible $500 - Comprehensive - Flood quote - Multi-policy discount ### Most protection $ $ $ Highest limits and lowest deductibles, plus an umbrella quote for the teen-driver years. Liability 250/500/100 Uninsured motorist 250/500 Car deductible $250 - Comprehensive - Flood quote - Rental car - Umbrella option Sample options for an illustrative household, not a quote. Coverage and price depend on your drivers, vehicles, home and ZIP, and your price will differ. Discounts vary and are subject to terms, conditions and availability. [Already a client? Pay a bill or report a claim →](https://ohlmeyerinsurance.com/service-center/) Most Popular ### Home Insurance South Louisiana homes, insured to real rebuild cost [Get a Quote](https://ohlmeyerinsurance.com/quote) [Learn More](https://ohlmeyerinsurance.com/home-insurance) Bundle & Review ### Auto Insurance Coverage past Louisiana's 15/30/25 minimum [Get a Quote](https://ohlmeyerinsurance.com/quote) [Learn More](https://ohlmeyerinsurance.com/auto-insurance) Condos & Townhomes ### Condo Insurance HO-6 walls-in coverage your HOA policy skips [Get a Quote](https://ohlmeyerinsurance.com/quote) [Learn More](https://ohlmeyerinsurance.com/condo-insurance) Apartments & Rentals ### Renters Insurance Your belongings, protected where you rent [Get a Quote](https://ohlmeyerinsurance.com/quote) [Learn More](https://ohlmeyerinsurance.com/renters-insurance) Landlords & Hosts ### Landlord Insurance Coverage for the homes and duplexes you rent out [Get a Quote](https://ohlmeyerinsurance.com/quote) [Learn More](https://ohlmeyerinsurance.com/landlord-insurance) For Business Owners ### Business Insurance Coverage for South Louisiana small businesses [Get a Quote](https://ohlmeyerinsurance.com/quote) [Learn More](https://ohlmeyerinsurance.com/business-insurance) Hurricane-Season Smart ### Flood Insurance NFIP flood coverage. Home policies don't cover flood [Get a Quote](https://ohlmeyerinsurance.com/quote) [Learn More](https://ohlmeyerinsurance.com/flood-insurance) For Families ### Life Insurance Term, whole and universal life options [Get a Quote](https://ohlmeyerinsurance.com/quote) [Learn More](https://ohlmeyerinsurance.com/life-insurance) Weekends & Getaways ### Boat, RV & ATV Coverage for the boat, the camper and the ATV [Get a Quote](https://ohlmeyerinsurance.com/quote) [Learn More](https://ohlmeyerinsurance.com/rv-insurance) ## More ways we protect you. Coverage built around real life. Hurricane Season ### Know your deductible before the storm. Many coastal policies carry a separate named-storm deductible, often a percentage of your dwelling limit. We'll find yours on your declarations page and explain what it means in dollars. 1 Named-storm deductible Found on your declarations page 2 Flood policy checked A separate NFIP policy Reviewed before the season Ready before June 1 Bundling ### One agency. Better together. Keep your home and auto with one insurance agent: one review, one office, and a multi-policy discount that may lower what you pay. Discounts vary and are subject to terms, conditions and availability. H Home Policy Dwelling + liability A Auto Policy 2 vehicles, full coverage Bundled and covered One agency · one review Safe Driving ### Drive safe. Get rewarded for it. A safe-driving program, along with new car, anti-lock brakes and good student discounts, may help lower what you pay for [auto insurance](https://ohlmeyerinsurance.com/auto-insurance). Subject to terms, conditions and availability. "Can our teen's good grades help our rate?" Good student discount Checked for your household $ Safe-driving program Rewards safe driving habits Annual Review ### Your life changes. Your coverage should too. New car, new roof, teen driver, new rental. Every year we re-check your coverage and discounts together, free. "New roof after Francine. Does that change our policy?" Yearly review booked With David's team Beyond the Minimums ### The state minimum isn't a plan. Louisiana's 15/30/25 rarely covers a serious crash on US-90 or I-10. Your insurer must offer uninsured motorist coverage at your liability limits, and turning it down takes a signed form. We size coverage to what you have to protect. **15/30/25** Louisiana minimum Covers less than most new cars cost **Your plan** sized to your life Assets, family & lifestyle accounted for Landlords & Hosts ### Rental property, covered properly. The house or duplex you rent out: the structure, the rent, and the liability many owners miss. Ask about [landlord insurance](https://ohlmeyerinsurance.com/landlord-insurance). R Rental · Thibodaux Dwelling + loss of rent M Duplex · Lafayette Added to the same review $ Landlord liability The layer owners forget New Homebuyers ### Closing soon? Let's get it done. Lender-ready binders, flood zone questions, escrow deadlines and proof of coverage, handled. One less thing between you and the keys. "Closing is Friday. Lender needs proof of insurance!!" Binder sent to lender Before closing day 🔑 Keys on Friday Covered from day one When It Happens ### The day you actually need us. A real person who knows your policy helps you start the claim and follows up until it's settled. ! Fender bender · US-90 Everyone's okay Claim started with you On the phone, step by step Followed to the finish Check-ins until it's closed ## Ballpark it. Then get your real number in one call. Zip Code Annual Mileage 12,000 mi Coverage Level Basic: 15/30/25 (Louisiana minimum) Full Coverage: + Collision & Comp Premium: Full + UM/UIM & Extras Driving Record Clean Record 1 Minor Violation 1 At-Fault Accident Multiple Incidents Household Drivers 1–2 adults 3+ adults Includes a teen driver Estimated Monthly Premium $164 per month Liability (15/30/25+) $66/mo Collision $54/mo Comprehensive $31/mo Add-ons $11/mo * Illustrative estimates only, not Louisiana averages and not a quote. Actual rates vary by driver, vehicle, coverage and ZIP. Bundling home + auto may lower what you pay; discounts vary and are subject to terms, conditions and availability. [Get My Quote →](https://ohlmeyerinsurance.com/quote) Home Value $350,000 Home Age 25 years Deductible $1,000 (Lower Deductible) $2,500 (Standard) $5,000 (Higher) $10,000 (High) Location Risk Lower storm exposure Standard South Louisiana Higher hurricane/wind exposure Older roof (15+ yrs) Special Features None Pool Detached Garage / Workshop Pool + Outbuildings Estimated Annual Premium $2,860 per year ($238/mo) Dwelling $150/mo Personal Property $43/mo Liability $29/mo Other Structures $17/mo * Illustrative estimates only, not Louisiana averages and not a quote. Actual rates vary by home, coverage and ZIP. Roof age, your named-storm deductible and a FORTIFIED roof matter, and flood is always a separate policy. [Get My Quote →](https://ohlmeyerinsurance.com/quote) Your Age 35 Coverage Amount $750,000 Term Length 10-Year Term 20-Year Term 30-Year Term Health Excellent Good Average Tobacco Use Non-smoker Smoker / tobacco user Estimated Monthly Premium $36 per month · level for the full term Coverage $750,000 Rate per $100k $4.80/mo Term 20 years Protection through age 55 * Illustrative estimates only, not Louisiana averages and not a quote. Actual rates vary by age, health, term and coverage amount. Final rates depend on underwriting. Life insurance is also offered and issued by third-party companies. [Get My Quote →](https://ohlmeyerinsurance.com/quote) ## Keep exploring [Get a quote](https://ohlmeyerinsurance.com/quote) [Flood insurance (NFIP)](https://ohlmeyerinsurance.com/flood-insurance) [Meet David](https://ohlmeyerinsurance.com/about-david-ohlmeyer) [Call Houma (985) 876-0116](tel:+19858760116) ## What clients say. 4.6 stars from 451 verified customer reviews. Laura M.Verified customer review · Lafayette > “Very positive. Sue has been a great help to me and puts up with me. She's a keeper” Nelson D.Verified customer review · Houma > “Great no hassle” Melton B.Verified customer review · Lafayette > “Was very pleasant and informative agent was very nice and friendly” Adriana Z.Verified customer review · Houma > “Nice customer service” [Read our Google reviews ↗](https://share.google/LQVe1lsw8Dy7nVsrg) ## Louisiana insurance questions. Straight answers. What are Louisiana's minimum auto insurance requirements? 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. Does homeowners insurance cover flood in Louisiana? 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. What is a named-storm or hurricane deductible? 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. What is the Louisiana Fortify Homes Program? 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. What does "No Pay, No Play" mean in Louisiana? 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. Can you help me with a claim or a policy change? 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. Which office should I call: Houma, Raceland or Lafayette? 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. Can I bundle my home and auto insurance? 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. Still have questions? Call Houma at [(985) 876-0116](tel:+19858760116) or Lafayette at [(337) 232-1800](tel:+13372321800) . We'll give you a straight answer. ## Ready when you are. One call covers it all. Home, auto, flood, life and business coverage from your local insurance agent in Houma, Raceland and Lafayette. Local coverage, with local service from people who live here. [Call (985) 876-0116](tel:+19858760116) [or **get a free quote** online](https://ohlmeyerinsurance.com/quote) ## Three offices. Serving South Louisiana. ### Ohlmeyer Insurance 📍 Houma office (main) 6658 W Park Ave Houma, LA 70364 [Get directions ↗](https://www.google.com/maps/search/?api=1&query=6658%20W%20Park%20Ave%2C%20Houma%2C%20LA%2070364) 📍 Raceland office 4767 Hwy 1, Suite A Raceland, LA 70394 [Get directions ↗](https://www.google.com/maps/search/?api=1&query=4767%20Hwy%201%20Suite%20A%2C%20Raceland%2C%20LA%2070394) 📍 Lafayette office 1019 E Saint Mary Blvd Lafayette, LA 70503 [Get directions ↗](https://www.google.com/maps/search/?api=1&query=1019%20E%20Saint%20Mary%20Blvd%2C%20Lafayette%2C%20LA%2070503) 📞 Phone Houma & Raceland [(985) 876-0116](tel:+19858760116) Lafayette [(337) 232-1800](tel:+13372321800) Call the office nearest you 💬 Text us [Text (985) 876-0116 (Houma & Raceland)](sms:+19858760116) The Lafayette line takes calls only 🕐 Hours Mon – Fri: 8:00 AM – 5:00 PM Central Sat – Sun: By appointment Houma and Lafayette. Call ahead for Raceland. --- **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).