Home, auto & personal
Coverage for your home, your vehicles, and the things you ride — compared across multiple carriers so you can see what you're actually paying for.
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Independent insurance agency · Onalaska, WI
La Crosse Area Independent Insurance Agency
Local coverage, handled right.
Independent & unbiased Multi-carrier shopping Licensed in multiple states
Enrollment closing
Medicare Annual Enrollment ends Dec 7
ACA Marketplace Open Enrollment opens Nov 1
42 days
Talk to an advisor We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. Not affiliated with or endorsed by the U.S. government or the federal Medicare program. Hougom Insurance Agency is a licensed independent insurance agency (NPN 20742808).
Full-service independent agency
One agency.
Every line.
Multiple Carriers Every Line of Coverage One Local Team
Independent coverage across every line
Everything we cover
One agency, every line of insurance
Business
General liability, bonding, and employee benefits sized to how your business actually operates — not a one-size-fits-all package.
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Health & life
Marketplace health plans, income protection, and life coverage, explained in plain English and built around your household's situation.
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Medicare
Original Medicare, Medicare Advantage, and supplemental coverage explained clearly — we do not offer every plan available in your area.
Explore Medicare options
Local · Honest · Hassle-free
Your local independent insurance agency
The Hougom team brings deep expertise across all lines of insurance — from Medicare and health to home, auto, business, and beyond. One agency, one call, everything covered.
Meet the team →Resources
Latest from the blog
The 50-Employee Line: When a Wisconsin Business Must Offer Health Insurance
The federal 50-employee test is not a headcount — it is an average of last year's months, and part-time hours count toward it. How full-time equivalents are computed, why the number that puts you over the line is not the number you pay on, the 2027 penalty amounts of $3,780 and $5,670, and the 10.22% affordability threshold.
Read →
Annuity RMD Rules in Wisconsin: What Counts and When
Whether your annuity has a required minimum distribution depends on where it lives, not on the contract. The December 31 deadline and the April 1 trap, the 25% excise tax and the correction window that cuts it to 10%, the IRS election that credits annuity payments against the RMD, and the $210,000 QLAC ceiling for 2026.
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Flood Insurance in Wisconsin: The 30-Day Wait
Your homeowners policy excludes flood, and a new federal flood policy doesn't take effect for 30 days — which makes this an autumn decision, not a spring one. The NFIP's $250,000 cap, the three exceptions to the waiting period, and the FEMA claim records showing one in four local flood claims came from outside the mapped high-risk zone.
Read →Got questions?
We have lots of great answers
Do you charge for your services?
For Medicare and ACA health insurance, no — insurance companies pay our fee, so you pay nothing for our guidance, comparison, or enrollment help. For property and casualty lines like home, auto, and business insurance, we're compensated by the carrier when you purchase a policy, but there's no separate fee charged to you.
What does "independent agency" actually mean?
It means we're not tied to any single insurance company. For every line we write — Medicare, home, auto, business, health, life — we compare options across multiple carriers and match coverage to your specific situation. A captive agent (State Farm, Allstate, etc.) can only offer one company's products. We're not that.
Can you help with more than one type of insurance at a time?
Yes, and many clients work with us across multiple lines. We handle Medicare for one household member, home and auto for the family, and group benefits for the business. One relationship, one local contact, everything coordinated.
What if I already have coverage and just want a second opinion?
We review existing coverage at no separate charge. Whether it's a Medicare plan that might not be covering your prescriptions well, a home policy that may be underinsured, or a business policy with gaps — we'll tell you what we see and let you decide what to do with it.
What areas do you serve?
We're based in Onalaska and primarily serve the La Crosse area, western Wisconsin, and southeast Minnesota — La Crosse, Monroe, Vernon, and Trempealeau counties in Wisconsin, plus Winona, Houston, and Olmsted counties in Minnesota. For many lines, we're also licensed to help clients across both Wisconsin and Minnesota.
Serving La Crosse and the surrounding counties: Trempealeau County · Vernon County · Monroe County — and southeast Minnesota: Winona County · Houston County · Rochester
Let's connect
Whether it's Medicare, a home and auto review, business coverage, or anything in between — get a free conversation with a local advisor who has your back.