The top-rated home insurance agent in Houma, Louisiana is Direct Auto Insurance, rated 4.9 stars across 439 reviews. Other highly rated options include Freeway Insurance, Trinity Insurance Agency, Inc, Dalton LeBlanc - State Farm insurance Agent. This directory lists 20 home insurance agents serving Houma.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Direct Auto Insurance | 6473 W Main St | (985) 851-0123 |
| 2 | Freeway Insurance | 209 Bayou Gardens Blvd Ste H | (985) 200-0045 |
| 3 | Trinity Insurance Agency, Inc | 6823 W Park Ave | (985) 262-1435 |
| 4 | Dalton LeBlanc - State Farm insurance Agent | 789 Grand Caillou Rd | (985) 876-4410 |
| 5 | Nicholas Hebert: Allstate Insurance | 854 Grand Caillou Rd | (985) 868-1886 |
| 6 | Boudreaux & Associates Insurance Agency, Inc. | 7032 W Park Ave | (985) 876-0643 |
| 7 | The General | 6108 W Park Ave | (985) 851-7055 |
| 8 | Brian Mustin: Allstate Insurance | 5328 LA-311 | (985) 873-1411 |
| 9 | Terrebonne Insurance Agency, Inc | 210 Mystic Blvd | (985) 851-3080 |
| 10 | Southgate Insurance Agency, LLC | 1155 St Charles St | (985) 262-0406 |
Direct Auto Insurance offers homeowners insurance coverage tailored to protect residential properties in the Houma area. It assists clients in selecting policies that safeguard against common perils such as fire, theft, and storm damage. The agency works to match homeowners with appropriate liability protection and dwelling coverage for their specific needs. During hurricane season, it helps local residents review their policies to ensure adequate protection against wind and flood damage specific to coastal Louisiana.
Spring storms and rising tides make Houma homeowners mindful of coverage gaps, and Freeway Insurance responds with tailored local policies after reviewing flood risks and standard wind deductibles. Their agents help residents compare protection for wood-frame or brick homes common throughout Terrebonne Parish. The process begins by scheduling a single visit to inspect the property and discuss current coverage limits, ensuring recommendations match each homeowner’s actual rebuilding costs and personal belongings.
Trinity Insurance Agency, Inc. serves the Houma, Louisiana, metro area, offering home insurance agent services to local homeowners. The company assists clients in securing coverage that protects residential properties from common regional risks. Homeowners can consult with the agency to review policy options that address structures, personal belongings, and liability concerns. The firm handles the processes of obtaining quotes and adjusting coverage to meet individual property needs in Houma.
Dalton LeBlanc - State Farm Insurance Agent in Houma, LA, provides comprehensive home insurance coverage for area residents. Services include protection for dwelling structures, personal belongings, and liability against accidents. Policyholders benefit from personalized service, where the agent reviews coverage to ensure it matches evolving needs. Maintenance plans help protect properties from common Gulf Coast risks like wind or water damage. The company serves single-family homes, apartments, retail spaces, and restaurants.
Nicholas Hebert: Allstate Insurance serves homeowners, businesses, and property managers in Houma, Louisiana, by offering tailored home insurance policies that protect against common regional risks. The agency helps clients select appropriate coverage for dwellings and personal belongings, including protection from wind and flood damage. Individual consultations are provided to explain policy options and assist with claims filing. This local home insurance agent also extends its services to nearby communities such as Thibodaux and the broader Terrebonne Parish area for convenient access to coverage.
Boudreaux & Associates Insurance Agency, Inc. serves the Houma, Louisiana area by securing residential property against common perils like fire, wind, and theft. The agency also writes specialty endorsements for flood coverage and valuable personal property. Their policies are designed to protect homeowners from financial loss after covered incidents, ensuring clients can rebuild their dwellings and replace damaged contents. For commercial purposes, the agency can also manage insurance needs for local offices, warehouses, and food service businesses.
The General provides residential home insurance services to property owners in Houma, Louisiana, addressing coverage needs for single-family homes and rental properties. Commercial coverage is also available for local businesses seeking asset protection throughout the surrounding Terrebonne Parish area. A standard service model focuses on policy reviews and claims assistance year-round, ensuring clients understand their current protection levels. After initial policy setup, agents remain available for follow-up contact between regular visits, assisting with any mid-term changes or questions that may arise.
Brian Mustin: Allstate Insurance serves Houma, Louisiana, and the surrounding Terrebonne Parish communities. The agency handles standard home insurance policies, including coverage for dwelling structures, personal property, and liability protection. They work with homeowners to assess individual coverage needs based on property type and local risk factors. To handle a typical job, they review a client's current policy details, discuss potential gaps in protection, and offer a tailored home insurance plan to address those specific concerns.
Terrebonne Insurance Agency, Inc. offers homeowners in the Houma area both a single-purchase policy for a defined term and the option of a recurring annual renewal for continued protection. Coverage typically includes the structure, personal belongings, and liability against common risks like wind or fire damage. Homeowners may adjust deductibles and add endorsements to fill specific gaps in a standard policy. This agency provides its service on either a one-time basis for a single term or on a scheduled, recurring annual renewal cycle.
What Does a a Home Insurance Agent in Houma Cost?
The average annual home insurance premium in Louisiana is around $2,500 to $3,500 but rates in Houma can be higher due to hurricane and flood risk. A standard HO-3 policy typically costs between $1,800 and $4,000 per year depending on coverage limits and deductible choices. Flood insurance through the NFIP averages about $700 to $1,200 annually for a standard policy. This is general information and not insurance advice.
About home insurance agents in Houma
Home insurance agents in Houma Louisiana help residents protect their property against hurricane damage flooding and other risks. Louisiana law requires insurers to offer flood insurance in high-risk areas and agents can explain the state-specific wind and hail deductible rules. Working with a local agent ensures you understand coverage limits and the 30-day cancellation notice period required by Louisiana statute.
Frequently Asked Questions
What does a home insurance agent in Houma do?
A home insurance agent helps you compare policies from multiple carriers and explains coverage for windstorm hail and flood damage. They also advise on Louisiana replacement cost requirements and can assist with filing claims after a hurricane.
Do I need flood insurance in Houma Louisiana?
Yes if your home is in a FEMA-designated flood zone your mortgage lender will require it. Even outside flood zones Houma is prone to heavy rain and storm surge so an agent can help you find a separate flood policy through the NFIP or private insurers.
How are home insurance rates calculated in Louisiana?
Rates depend on your homes location age construction type and claims history. Louisiana has a state-run insurer of last resort called Louisiana Citizens for high-risk properties. Agents can explain how credit scores and the number of prior claims affect your premium.
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