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.
Explore personal coverage
Independent insurance agency · Onalaska, WI
La Crosse Area Independent Insurance Agency
Local coverage, handled right.
Independent & unbiased Multi-carrier shopping Licensed in multiple states
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.
Explore health & life
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
Farm Insurance in Wisconsin: What Your Homeowners Policy Won't Cover
A standard homeowners policy stops covering you at the farmhouse door. Real western WI farm data, the Wisconsin farm-employer workers' comp threshold, and the agritourism liability law's fine print — and what actually closes the gaps.
Read →
Medicare Advantage vs. Medicare Supplement in Wisconsin: The Direct Comparison
Medicare Advantage costs less monthly but uses a network; Wisconsin Medicare Supplement (Basic Plan + riders — never Plan G/N) costs more but works with any provider. Cost structure, Gundersen/Mayo network rules, and enrollment timing compared directly.
Read →
Life Insurance Beneficiary Rules in Wisconsin: Marital Property, Divorce, and the Mistakes That Delay a Claim
Your beneficiary form decides who gets the money — not your will. How Wisconsin's marital property law classifies your policy, what a divorce does (and doesn't) revoke, and why employer group life follows different rules.
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 and western Wisconsin — La Crosse, Monroe, Vernon, Trempealeau, and surrounding counties. For many lines, we're also licensed to help clients across Wisconsin.
Serving La Crosse and the surrounding counties: Trempealeau County · Vernon County · Monroe County
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.