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

Combining your home and auto insurance policies with Prather Insurance Associates can provide significant benefits, including:

Simplified Policy Management: Consolidate your Home and Auto insurance policies with a single provider, making it easier to manage your coverage, payments, and claims
Multi-Policy Discounts: Save money on your insurance premiums by bundling your home and auto Insurance policies together
Streamlined Claims Process: In the event of a loss involving both your home and vehicle, you’ll have a single point of contact for managing your claim, reducing stress and hassle

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.

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