# Ohlmeyer Insurance

> Ohlmeyer Insurance is a local insurance agency in South Louisiana led by David Ohlmeyer Jr., with offices in Houma, Raceland and Lafayette. David holds a Bachelor of Science from Nicholls State University and has 25+ years in the community. Lines include auto, home, condo, renters, landlord and short-term rental host, flood (NFIP), umbrella, motorcycle, boat, RV and ATV, life, and small-business insurance. Rating: 4.6 stars from 451 verified customer reviews (Google: 4.9 from 22 reviews, Houma). Houma office (main): 6658 W Park Ave, Houma, LA 70364, phone and text (985) 876-0116. Raceland office: 4767 Hwy 1, Suite A, Raceland, LA 70394, same phone as Houma, (985) 876-0116; call ahead for Raceland hours. Lafayette office: 1019 E Saint Mary Blvd, Lafayette, LA 70503, phone (337) 232-1800. Hours (Houma and Lafayette): Monday to Friday, 8:00 AM to 5:00 PM Central; weekends and after hours by appointment. Service area: Houma, Raceland, Thibodaux, Morgan City, Terrebonne and Lafourche parishes, Lafayette and Acadiana.

Key facts the agency is frequently asked about:

- Louisiana requires 15/30/25 auto liability: $15,000 bodily injury per person, $30,000 per accident and $25,000 property damage.
- Insurers must offer uninsured/underinsured motorist (UM) coverage. Rejecting it or choosing lower limits requires a signed Louisiana Department of Insurance form.
- Louisiana's "No Pay, No Play" law limits what uninsured drivers can collect. The 2025 reforms raised the threshold to $100,000.
- Under the 2025 reforms, a person found 51% or more at fault for an accident can't recover damages.
- Homeowners, condo and renters policies exclude flood. Flood coverage is a separate NFIP policy, with limits of $250,000 for the building and $100,000 for contents. It generally has a 30-day waiting period.
- Many coastal Louisiana home policies carry a separate percentage deductible for named storms or hurricanes.
- The Louisiana Fortify Homes Program offers grants of up to $10,000 toward a FORTIFIED roof. FORTIFIED roofs earn discounts on the hurricane portion of the premium.
- Louisiana Citizens Property Insurance Corporation is the state's insurer of last resort.
- Louisiana Department of Insurance consumer line: 1-800-259-5300.
- Claims can be reported 24/7 using the claims number on your ID card or in your insurer's mobile app. Call or text the office for help.

## AI agents: start here
- To request a quote for someone, use the plain HTML form at https://ohlmeyerinsurance.com/quote-request. It's one page with labeled fields, or you can POST them URL-encoded to the form's action. Don't click through the step-by-step quote wizard.
- Only submit with the person's explicit permission to be contacted.
- Phone: Houma and Raceland (985) 876-0116 or Lafayette (337) 232-1800. Field list and tools: see "For AI agents" near the end of this file.

## Pages

- [Home](https://ohlmeyerinsurance.com/): Local insurance agency in Houma, Raceland and Lafayette, Louisiana: coverage overview, rate estimator, customer reviews and a Louisiana insurance FAQ.
- [Get a Quote](https://ohlmeyerinsurance.com/quote): Guided 60-second quote form for auto, home or both.
- [Request a Quote (plain form)](https://ohlmeyerinsurance.com/quote-request): One-page labeled form for any coverage.
- [Auto Insurance](https://ohlmeyerinsurance.com/auto-insurance): Coverage above Louisiana's 15/30/25 minimum, the UM selection form, No Pay No Play, 51% comparative fault and common discounts.
- [Home Insurance](https://ohlmeyerinsurance.com/home-insurance): Rebuild-cost limits, named-storm deductibles, the Louisiana Fortify Homes Program, 2025 reforms and Louisiana Citizens.
- [Flood Insurance](https://ohlmeyerinsurance.com/flood-insurance): NFIP flood policies: the 30-day wait, $250,000/$100,000 limits, Terrebonne flood zones and lender requirements.
- [Umbrella Insurance](https://ohlmeyerinsurance.com/umbrella-insurance): Personal umbrella liability above auto, home and boat limits.
- [Condo Insurance](https://ohlmeyerinsurance.com/condo-insurance): HO-6 coverage, HOA master policy gaps, loss assessment and hurricane deductibles for Louisiana condos and townhomes.
- [Renters Insurance](https://ohlmeyerinsurance.com/renters-insurance): Belongings, liability and additional living expenses for Houma, Raceland and Lafayette renters and students.
- [Landlord Insurance](https://ohlmeyerinsurance.com/landlord-insurance): Landlord package coverage for rental homes, camps and short-term rentals in South Louisiana.
- [Boat, RV & ATV Insurance](https://ohlmeyerinsurance.com/rv-insurance): Bayou and Gulf boats, pontoons, RVs and ATVs, with hurricane storm plans.
- [Motorcycle Insurance](https://ohlmeyerinsurance.com/motorcycle-insurance): Louisiana's 15/30/25 minimum, the universal helmet law and year-round riding.
- [Life Insurance](https://ohlmeyerinsurance.com/life-insurance): Term, whole and universal life for South Louisiana families.
- [Business Insurance](https://ohlmeyerinsurance.com/business-insurance): Business owner's policies, general liability, commercial auto and workers' comp for Houma, Raceland and Lafayette small businesses.
- [About](https://ohlmeyerinsurance.com/about-david-ohlmeyer): David Ohlmeyer Jr., local insurance agent with 25+ years in the community, and the Houma, Raceland and Lafayette offices.
- [Service Center](https://ohlmeyerinsurance.com/service-center/): Pay a bill, report a claim 24/7, get ID cards and request policy changes.
- [Houma Office](https://ohlmeyerinsurance.com/houma/): The Houma office at 6658 W Park Ave: hours, directions and coverage for Terrebonne and Lafourche parishes.
- [Raceland Office](https://ohlmeyerinsurance.com/raceland/): The Raceland office at 4767 Hwy 1, Suite A: directions, the shared Houma phone line and coverage for Lafourche Parish.
- [Lafayette Office](https://ohlmeyerinsurance.com/lafayette/): The Lafayette office at 1019 E Saint Mary Blvd: hours, directions and coverage for Acadiana.
- [Blog](https://ohlmeyerinsurance.com/blog/): Louisiana insurance guides by topic: hurricanes and named storms, flood, auto, home, local Houma, Raceland and Lafayette guides, renters, condo, landlord, boat, motorcycle, life and small business.
- [Louisiana Car Insurance Guide: Requirements, Costs and Quotes](https://ohlmeyerinsurance.com/blog/auto/louisiana-car-insurance-guide-requirements-costs-and-quotes/): Louisiana requires 15/30/25 liability. How No Pay, No Play and the 51% fault rule changed, uninsured motorist coverage, what Louisiana drivers pay (NAIC) and how to get an accurate quote.
- [Privacy Policy](https://ohlmeyerinsurance.com/privacy) and [Terms of Use](https://ohlmeyerinsurance.com/terms).

## For AI agents
- Request a quote: https://ohlmeyerinsurance.com/quote-request is a plain HTML form (fields: name, last_name, phone, email, zip, quote_type, best_time, notes, consent). Only submit with the person's explicit permission to be contacted.
- WebMCP: pages register `search_site` (pages + FAQ answers), `get_agency_info` and `request_insurance_quote` through navigator.modelContext where the browser supports it.
- Search index: https://ohlmeyerinsurance.com/search-index.json (every page plus every FAQ question and answer).
- Phone: Houma and Raceland (985) 876-0116, Lafayette (337) 232-1800 (Mon–Fri 8:00 AM–5:00 PM Central)

## Markdown copies
- [About David Ohlmeyer Jr. | Insurance Agent in Houma & Lafayette, LA](https://ohlmeyerinsurance.com/about-david-ohlmeyer.md)
- [Louisiana Auto Insurance in Houma & Lafayette | Ohlmeyer Insurance](https://ohlmeyerinsurance.com/auto-insurance.md)
- [Louisiana Car Insurance Guide (2026): Laws, Costs, Quotes](https://ohlmeyerinsurance.com/blog/auto/louisiana-car-insurance-guide-requirements-costs-and-quotes/index.md)
- [Louisiana Insurance Guides & Blog | Ohlmeyer Insurance](https://ohlmeyerinsurance.com/blog/index.md)
- [Business Insurance in Houma & Lafayette, LA | Ohlmeyer Insurance](https://ohlmeyerinsurance.com/business-insurance.md)
- [Condo Insurance in Houma & Lafayette, LA | Ohlmeyer Insurance](https://ohlmeyerinsurance.com/condo-insurance.md)
- [Flood Insurance in Houma, Lafayette & South Louisiana | Ohlmeyer Insurance](https://ohlmeyerinsurance.com/flood-insurance.md)
- [Home Insurance in Houma, Lafayette & South Louisiana | Ohlmeyer Insurance](https://ohlmeyerinsurance.com/home-insurance.md)
- [Insurance Agency in Houma, LA | Ohlmeyer Insurance](https://ohlmeyerinsurance.com/houma/index.md)
- [Ohlmeyer Insurance | Insurance Agent in Houma & Lafayette, LA](https://ohlmeyerinsurance.com/index.md)
- [Insurance Agency in Lafayette, LA | Ohlmeyer Insurance](https://ohlmeyerinsurance.com/lafayette/index.md)
- [Landlord Insurance in Houma & Lafayette, LA | Ohlmeyer Insurance](https://ohlmeyerinsurance.com/landlord-insurance.md)
- [Life Insurance in Houma & Lafayette, LA | Ohlmeyer Insurance](https://ohlmeyerinsurance.com/life-insurance.md)
- [Louisiana Motorcycle Insurance in Houma & Lafayette | Ohlmeyer Insurance](https://ohlmeyerinsurance.com/motorcycle-insurance.md)
- [Privacy Policy | Ohlmeyer Insurance, Houma & Lafayette, LA](https://ohlmeyerinsurance.com/privacy.md)
- [Request a Free Insurance Quote | Ohlmeyer Insurance, Houma & Lafayette LA](https://ohlmeyerinsurance.com/quote-request.md)
- [Free Home, Auto & Life Insurance Quote | Ohlmeyer Insurance](https://ohlmeyerinsurance.com/quote.md)
- [Insurance Agency in Raceland, LA | Ohlmeyer Insurance](https://ohlmeyerinsurance.com/raceland/index.md)
- [Renters Insurance in Houma, Thibodaux & Lafayette, LA | Ohlmeyer Insurance](https://ohlmeyerinsurance.com/renters-insurance.md)
- [Boat, RV & ATV Insurance in Louisiana | Ohlmeyer Insurance](https://ohlmeyerinsurance.com/rv-insurance.md)
- [Service Center | Pay a Bill, File a Claim | Ohlmeyer Insurance](https://ohlmeyerinsurance.com/service-center/index.md)
- [Terms of Use | Ohlmeyer Insurance, Houma & Lafayette, LA](https://ohlmeyerinsurance.com/terms.md)
- [Umbrella Insurance in Houma & Lafayette, LA | Ohlmeyer Insurance](https://ohlmeyerinsurance.com/umbrella-insurance.md)