Comprehensive Home and Auto Insurance Solutions
Experience an Agency that Protects Your Assets Like They’re Our Own
That’s why we offer comprehensive home insurance and affordable auto insurance solutions to individuals and businesses in North Central Missouri, including the communities of Chillicothe, Carrollton, and Marshall.
Our experienced team will work closely with you to design personalized home and auto insurance packages that provide optimal protection and value.
Comprehensive Home Insurance
Your home is more than just a building; it’s a reflection of your life, your family, and your achievements. Our comprehensive home insurance policies are designed to protect your dwelling, personal property, and financial well-being in the event of a covered loss.
Our agents will work with you to determine the appropriate coverage limits and deductibles based on your home’s value, location, and unique features. We’ll also help you identify any additional endorsements or riders that may be necessary to fully protect your property and assets.
Dwelling Coverage
Protection for your home’s structure against perils such as fire, wind, hail, and vandalism
Personal Property Coverage
Reimbursement for the loss or damage of your belongings, such as furniture, electronics, and clothing
Liability Coverage
Financial protection in case you’re held responsible for injuries or property damage to others
Additional Living Expenses
Coverage for temporary housing and related costs if your home becomes uninhabitable due to a covered loss
Affordable Auto Insurance
Whether you rely on your vehicle for daily commutes, business operations, or leisure travel, having affordable auto insurance is essential. Our auto insurance policies are designed to provide comprehensive protection at competitive rates, with coverage options including:
Our agents will help you compare auto insurance options from multiple carriers, ensuring you receive the best possible rates and coverage for your specific needs. We’ll also assist you in exploring available discounts, such as safe driver, multi-vehicle, or low mileage discounts, to help you save even more on your auto insurance premiums.
Liability Coverage
Financial protection for bodily injury and property damage you may cause to others while operating your vehicle
Collision Coverage
Reimbursement for repairs or replacement of your vehicle in the event of a collision with another car or object
Comprehensive Coverage
Protection against non-collision related incidents, such as theft, vandalism, or weather-related damage
Medical Payments Coverage
Coverage for medical expenses incurred by you or your passengers in the event of an accident
Uninsured/Underinsured Motorist Coverage
Protection in case you’re involved in an accident with a driver who has insufficient or no insurance coverage
Combined Home and Auto Insurance
Combining your home and auto insurance policies with Prather Insurance Associates can provide significant benefits, including:
Our experienced agents work with you to create a customized home and auto insurance package that meets your unique needs and budget. You also benefit from our ongoing support and guidance to ensure your coverage remains up-to-date as your life and circumstances change.
What’s the Right Option for Me?
Contact Prather Insurance Associates today to get the right fit and find the best comprehensive home insurance, affordable auto insurance, and combined home and auto insurance solutions for your needs.
Protect your most valuable assets. Set a short meeting with our dedicated team and let’s have a conversation.