Personal Insurance in Houma, Louisiana

Clement Insurance Agency is a local, independent insurance agency serving Houma, New Orleans, and South Louisiana. Since 1995, we have helped individuals and families protect what matters most with personal insurance built around real local risks.

Serving Houma, New Orleans & South Louisiana

What Personal Insurance Really Protects

Most people already know insurance is important. What is often less clear is where coverage breaks down, and that is usually where the biggest problems start.


We help clients think through whether limits are realistic for today’s rebuilding and legal costs, what events are excluded and how to close critical gaps, how one claim can impact other areas of your financial picture, and how bundling policies can simplify coverage and reduce risk.



Our job is to help you make decisions before something happens, not after.

Personal Insurance Solutions We Offer

We provide a full range of personal insurance options. Each type of coverage has its own dedicated page so you can get clear, specific information without confusion.

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Homeowners Insurance

Coverage designed for Louisiana homes, including guidance on wind related risks, policy limits, and flood exclusions.

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Auto Insurance

Liability, collision, comprehensive, and uninsured motorist coverage tailored to how and where you drive in South Louisiana.

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Flood Insurance

Separate flood policies through NFIP or private markets. These are essential for many homes in Houma and New Orleans.

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Renters & Condo Insurance

Protection for personal belongings and liability, whether you rent or own a condo unit.

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Mobile Home Insurance

Specialized coverage for manufactured and mobile homes, including storm related considerations.

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High Net Worth Insurance

Expanded coverage and higher limits for high value homes, vehicles, and personal assets requiring customized protection.

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Boat & Marine Insurance

Coverage for fishing boats, recreational vessels, and personal watercraft used throughout South Louisiana.

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Motorcycle Insurance

Specialized protection for riders, including coverage for custom parts and accessories.

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Personal Umbrella Insurance

Additional liability protection that extends beyond your home and auto policies.

Why Choose Clement Insurance Agency for Personal Insurance

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Local Understanding

We have served Houma and South Louisiana since 1995. We understand the regional risks that affect real coverage decisions, not just what is written in a policy.

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Independent Guidance

We work with multiple insurance carriers, giving you more options and flexibility instead of one size fits all solutions.

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Clear, Honest Explanations

We explain coverage in plain language so you know what you are buying, what it protects, and where limits apply.

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Real Support When It Counts

When questions come up or a claim happens, you can reach real people who know you and your policy, not a call center.

Our Personal Insurance Process

Getting started is simple and pressure free.

Start the Conversation

Call our Houma office or submit a secure contact form. We will connect with you to understand what you are looking for and how we can help.

Review Your Needs and Risks

We talk through your home, vehicles, and responsibilities and how South Louisiana risks such as storms, flooding, and liability may affect your coverage.

Compare Coverage Options

As an independent agency, we compare policies from multiple insurance carriers and explain the differences clearly.

Choose Coverage With Confidence

You decide what makes sense. We help finalize coverage that fits your life today and can adapt as things change.

Ongoing Support

When questions come up or a claim happens, you can reach real people who know you and your policy.

Ready to get started? Call our Houma office or request a quote online.

Frequently Asked Questions: Personal Insurance

  • Do I need separate flood insurance in Louisiana?

    Yes. Flood damage is not covered by standard homeowners or renters insurance. We help determine your risk and explain available flood insurance options.

  • Can you review my current insurance policies?

    Absolutely. We review what you have, identify gaps, and explain whether changes make sense.

  • Is bundling home and auto insurance a good idea?

    Often yes. Bundling can simplify coverage and may offer cost advantages depending on your situation.

  • Do you only serve Houma and New Orleans?

    Our primary focus is Houma and New Orleans, but we work with clients throughout South Louisiana and are licensed statewide.

Contact us

Ready to Get Started?

If you want personal insurance guidance that is clear, local, and built around real life needs, we are here to help.