Jack Ogren & Company, Inc.
6929 Hohman Ave, Hammond, IN 46324
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Hammond households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
6929 Hohman Ave, Hammond, IN 46324
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Hammond residents.
Hammond drivers face unique risks at the I-55/I-12 junction. Learn about Louisiana's 15/30/25 minimums, at-fault laws, and why you need more coverage.
Yes, you should seriously consider it. FEMA designates all of Louisiana as flood-prone, and Hammond gets significant rainfall during hurricane season. Standard homeowners policies don't cover flooding, so even moderate flood zones can leave you with tens of thousands in uncovered damage. With Louisiana's median flood insurance cost at $1,470 annually, it's far cheaper than paying for flood damage out of pocket.
Beyond the legal penalties (fines, license suspension, vehicle impoundment), Louisiana's 'No Pay, No Play' law means you can't recover the first $100,000 of injury or property damage claims after an accident—even if you're not at fault. This threshold increased to $100,000 in August 2025, making uninsured driving extremely risky financially.
Average minimum coverage in Louisiana runs about $104 per month, though rates vary based on your driving record, age, credit score, vehicle type, and specific location within Hammond. To get the best rate, shop quotes from at least three carriers or work with an independent agent who can compare multiple companies for you.
Local agents have major advantages in Louisiana: they understand regional risks like flood zones and hurricane patterns, know which carriers are competitive in Tangipahoa Parish, and can help you navigate claims after storms. Independent agents like Powell & Associates or The Insurance Depot can shop multiple carriers for you, often finding better rates than you'd get buying direct online.
No, standard renters insurance doesn't cover flood damage to your belongings. However, you can add flood coverage through the National Flood Insurance Program or some private insurers, usually as a separate policy or endorsement. This is worth considering if you're renting on a ground floor or in an area prone to heavy rain and poor drainage.
Wind damage (like a tree falling on your roof or shingles blowing off) is covered by standard homeowners insurance. Flood damage (rising water entering your home from the ground up) requires separate flood insurance. During a hurricane, you might experience both types of damage, which is why you need both policies to be fully protected in Hammond.
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