P&R Insurance Agency is located at 513 Old Elkhart Rd Ste 3B, Palestine, TX 75801.

The office is open Tuesday through Friday from 9:00 AM to 4:00 PM, and Saturday through Monday by appointment.

Call (903) 729-4422, email services@nicholsonagency.net, or use the contact form on the website.

P&R Insurance Agency serves Palestine, Athens, Tyler, Jacksonville, Canton, and surrounding East Texas communities, and serves clients statewide.

Yes. P&R offers both in-person meetings and virtual consultations.

P&R brings more than 20 years of trusted service to East Texas communities.

Yes. P&R's team holds full Texas Property & Casualty and Life & Health licenses.

Insurance agents and agencies in Texas are licensed by the Texas Department of Insurance.

Yes. P&R offers flexible scheduling for families and business owners who need to meet outside regular hours.

P&R takes an education-first approach, explaining what is essential and what is optional so clients understand their coverage and avoid overpaying.

Texas requires drivers to carry at least 30/60/25 liability coverage, which means $30,000 for injuries per person, $60,000 per accident, and $25,000 for property damage. Many drivers choose higher limits because serious accidents can easily exceed these minimums.

State minimum coverage only pays for damage and injuries you cause to others, up to low limits, and does not repair your own vehicle. P&R Insurance Agency helps drivers weigh higher limits and added coverages based on their assets and risk.

Personal injury protection, or PIP, helps pay medical bills and lost wages for you and your passengers after an accident regardless of fault. Texas insurers must offer PIP, and you must reject it in writing if you do not want it.

Uninsured and underinsured motorist coverage helps pay for your injuries and vehicle damage when the at-fault driver has no insurance or not enough. Texas insurers must offer it, and it can only be declined in writing.

Collision covers damage to your vehicle from a crash with another vehicle or object. Comprehensive covers non-collision losses such as theft, hail, fire, flooding, falling trees, and hitting an animal.

Lenders and leasing companies usually require collision and comprehensive coverage until the loan is paid off.

Gap insurance covers the difference between what you owe on a vehicle loan or lease and the vehicle's actual cash value if it is totaled.

Rates are influenced by driving record, age, vehicle type, location, annual mileage, coverage levels, deductibles, claims history, and in Texas, credit-based insurance scores.

Coverage often follows the vehicle when you give someone permission to drive it, but rules vary by policy. Household members who drive regularly should usually be listed.

Yes. P&R Insurance Agency provides auto insurance quotes for East Texas drivers. Call (903) 729-4422 or request a quote online.

P&R Insurance Agency offers General Liability, Workers' Compensation, and Commercial Auto insurance for East Texas businesses.

P&R works with businesses such as electricians and other trades, restaurants, doctors, cybersecurity firms, tax professionals, and many other small businesses across East Texas.

A business owners policy, or BOP, bundles general liability and commercial property coverage into one policy, often at a lower cost than buying them separately.

A certificate of insurance, or COI, is a document that proves your business carries coverage. Clients, landlords, and general contractors often require one before work begins.

An additional insured is another party, such as a client or general contractor, added to your policy so they are protected for claims arising from your work.

Businesses that give advice or professional services, such as consultants, tax preparers, and healthcare providers, often need professional liability, also called errors and omissions insurance.

Technology and cybersecurity firms often need professional liability and cyber liability coverage to protect against claims tied to data breaches, service errors, and system failures.

Yes. P&R's commercial insurance team can meet with you in person at your location to save you time.

Review coverage at least annually and whenever you add employees, vehicles, equipment, locations, or new services.

Call P&R Insurance Agency at (903) 729-4422 or submit a quote request with details about your business.

Commercial auto insurance covers vehicles used for business, including liability, physical damage, medical payments, and uninsured motorist coverage.

Personal auto policies may exclude or limit coverage for business use. If you haul tools, equipment, or goods, or drive to job sites, commercial auto may be needed.

Work trucks, vans, box trucks, service vehicles, trailers, and vehicles titled to a business typically need commercial auto coverage.

Hired and non-owned auto coverage protects your business when employees use personal or rented vehicles for business tasks.

Commercial auto policies generally cover listed or permitted drivers. Keep driver lists updated with your agent.

Premiums depend on vehicle types, driver records, radius of operation, what is hauled, coverage limits, and claims history.

Tools and equipment are usually covered by an inland marine or tools and equipment policy rather than commercial auto.

Many businesses carry higher limits than personal auto, often $1 million combined single limit, especially when contracts require it.

Trailers used for business typically need to be listed on the commercial policy for liability and physical damage coverage.

Yes. P&R Insurance Agency provides commercial auto insurance for East Texas businesses.

General liability typically does not cover employee injuries, damage to your own property, professional mistakes, auto accidents in business vehicles, or intentional acts. Those risks require other policies.

Many small businesses carry $1 million per occurrence and $2 million aggregate, but the right limit depends on your industry, contracts, and risk.

Texas does not require most businesses to carry general liability, but many clients, landlords, licensing boards, and contracts require it.

This part of a general liability policy covers injuries or damage caused by products you sell or work you completed after the job is finished.

Yes. General liability generally covers bodily injury to customers or visitors on your premises caused by your business operations.

Personal and advertising injury covers claims such as libel, slander, and certain copyright or advertising disputes arising from your business.

Premiums depend on your industry, revenue, payroll, number of employees, location, claims history, and coverage limits.

Many sole proprietors need general liability to protect personal assets and meet client requirements, even for small projects.

An occurrence policy covers incidents that happen during the policy period, even if the claim is filed later.

Yes. General liability is often bundled with property coverage in a business owners policy.

Homeowners insurance typically covers your home's structure, other structures like fences and sheds, personal belongings, additional living expenses if the home is unlivable, and personal liability for injuries or damage you cause to others.

Most Texas homeowners policies cover hail and wind damage, but many use a separate wind and hail deductible that may be a percentage of the home's insured value.

No. Standard homeowners policies exclude flood damage. Flood coverage is purchased separately, often through the National Flood Insurance Program, which usually has a 30-day waiting period.

Replacement cost pays to repair or replace damaged property with new materials of similar kind and quality. Actual cash value subtracts depreciation, so payouts are lower for older property.

Your dwelling coverage should reflect the cost to rebuild your home, not its market value or the land. A local agent can help estimate rebuilding costs in your area.

Many policies cover damage when a tree falls on your home or another covered structure because of a storm. Removing a tree that fell without damaging anything is often limited or excluded.

Foundation damage from settling, shifting soil, or wear is usually excluded. Some policies may cover foundation damage caused by a sudden covered event, such as a plumbing leak.

Mold coverage is often limited and usually applies only when mold results from a sudden, covered water leak rather than long-term moisture.

It is not legally required, but without it you would pay out of pocket to rebuild after a fire, storm, or liability claim. Most homeowners keep coverage to protect their largest asset.

Yes. P&R Insurance Agency offers homeowners insurance for families in Palestine and across East Texas.

Contact your insurance carrier or agent as soon as possible, provide details about the loss, document damage with photos, and keep receipts for emergency repairs.

Check for injuries, call 911 if needed, move vehicles out of traffic if safe, exchange information, take photos, get a police report number, and contact your insurer.

Policies require prompt notice of a loss, and time limits vary by policy and carrier. Report claims as soon as possible.

Claims can affect premiums depending on fault, claim type, and your history. Your agent can explain how a claim may impact your policy.

A claims adjuster investigates a claim, inspects damage, reviews coverage, and determines how much the insurer will pay.

Yes. Most policies require you to take reasonable steps to prevent further damage, such as tarping a roof. Keep receipts and take photos first.

Ask for the decision in writing, review your policy, provide additional documentation, and discuss options with your agent. The Texas Department of Insurance also offers consumer help.

Keep a home inventory, store policy documents and photos in a safe place, report losses quickly, and keep records of all communications.

P&R Insurance Agency focuses on helping clients choose carriers whose claims departments will be there for them, and the local team is available to answer questions during the process.

A home inventory is a list, photos, or video of your belongings and their value. It makes personal property claims faster and more accurate.

Options include bundling policies, raising deductibles, maintaining a clean driving record, improving home safety, asking about discounts, and reviewing coverage annually.

Common discounts include multi-policy, safe driver, good student, multi-vehicle, anti-theft, and paid-in-full discounts. Availability varies by carrier.

For auto, have driver's license numbers, vehicle information, and driving history. For home, have the address, age, and features of the home. For business, have details about operations, payroll, and vehicles.

P&R Insurance Agency's goal is to help clients get better coverage for the same price or the same coverage for less, without cutting corners.

Rates can rise due to claims, driving violations, inflation in repair and construction costs, severe weather trends, and changes in carrier pricing.

Reviewing coverage periodically helps confirm you are not overpaying. An independent agency can compare multiple carriers for you.

An independent agency works with multiple insurance carriers, allowing it to compare options instead of selling only one company's products. P&R Insurance Agency is an independent agency.

A higher deductible can reduce premiums, but only if you can comfortably pay it after a loss.

Yes. You can request a quote through the P&R Insurance Agency website form, and the team will follow up.

Many carriers offer monthly, semiannual, or annual payment options. Paying in full sometimes earns a discount.

Life insurance premiums are generally lower when you are younger and healthier. Buying earlier can lock in lower rates and protect loved ones who depend on your income.

A common approach is to consider income replacement, debts, mortgage balance, children's education, and final expenses. An agent can help you calculate a coverage amount based on your goals.

Term life insurance covers a set period, such as 10, 20, or 30 years. Permanent life insurance, such as universal or whole life, is designed to last for life and can build cash value.

A beneficiary is the person or organization you name to receive the policy's death benefit. Review beneficiaries after major life events such as marriage, divorce, or the birth of a child.

Some policies require a medical exam, while others use health questions and records instead. Requirements depend on the carrier, age, and coverage amount.

Life insurance death benefits paid to beneficiaries are generally not subject to federal income tax. Consult a tax professional about your specific situation.

Most life insurance policies have a contestability period, typically two years, during which the insurer can review the application for misstatements if a claim is filed.

Yes. A stay-at-home parent provides services such as childcare and household management that would be costly to replace.

Yes. Many people have coverage through work plus an individual policy, since employer coverage may end if you change jobs.

Yes. P&R Insurance Agency offers life insurance and specializes in Universal Life and Return of Premium Term policies.

Yes. Motorcycles driven on public roads in Texas must carry at least the state minimum liability coverage.

Usually not. Motorcycles typically need their own policy with coverages designed for riders, such as accessory and gear coverage.

Motorized RVs driven on public roads need liability coverage, and travel trailers are often covered for liability by the tow vehicle's policy. Separate RV coverage protects the RV itself and its contents.

RV insurance can include liability, collision, comprehensive, personal belongings, vacation liability, emergency expenses, and full-timer coverage for people who live in their RV.

A separate policy protects the camper itself from damage, theft, and storms, since the tow vehicle's liability often does not pay to repair the trailer.

ATVs and UTVs used on private property often are not required to be insured, but homeowners policies may exclude or limit coverage for them. A dedicated policy covers liability, damage, and theft.

Homeowners policies often exclude or limit off-road vehicles, especially when used away from the insured property. Review your policy or ask about a separate ATV or UTV policy.

Rates depend on the rider's age and experience, motorcycle type and engine size, driving record, location, coverage choices, and storage.

Some carriers offer storage or lay-up options that reduce coverage during months the vehicle is not used. Ask your agent before canceling coverage entirely.

Yes. P&R Insurance Agency offers specialty vehicle coverage for motorcycles, RVs, campers, ATVs, and UTVs.

An umbrella policy provides extra liability coverage above the limits of your auto, homeowners, or business policies, protecting assets from large claims.

Homeowners, business owners, landlords, people with teen drivers, pool owners, and anyone with significant assets can benefit from umbrella coverage.

Umbrella insurance is often affordable relative to the added liability protection, with costs based on the coverage amount and your underlying policies.

An exclusion is a specific situation, type of damage, or property that a policy does not cover. Reviewing exclusions helps prevent surprises at claim time.

A coverage limit is the maximum amount an insurer will pay for a covered loss. Limits may apply per person, per accident, or per policy period.

An endorsement, or rider, adds, removes, or changes coverage on an existing policy.

In Texas, insurers can use credit-based insurance scores as one factor in pricing auto and home policies, within state regulations.

Bundling means buying multiple policies, such as home and auto, with the same carrier, which often qualifies for a discount.

A premium is the amount you pay for your insurance policy, typically monthly, semiannually, or annually.

Yes. Annual reviews help ensure coverage keeps up with new vehicles, home improvements, life changes, and business growth.

Universal life insurance is a type of permanent life insurance with flexible premiums and a cash value component that can grow over time, along with a death benefit designed to last for life.

Return of premium term life insurance is a term policy that refunds some or all of the premiums you paid if you outlive the policy term, according to the policy's terms.

Return of premium term typically costs more than standard term life, but it can return premiums if you outlive the term. Standard term offers lower premiums with no refund.

Universal life may appeal to people who want lifelong coverage, premium flexibility, and cash value accumulation, and who are planning for long-term financial goals.

Many universal life policies allow withdrawals or loans against cash value. These can reduce the death benefit and may have tax consequences, so review options with your agent.

Universal life policies may use cash value to cover costs for a time, but if cash value runs out, the policy could lapse. Regular reviews help keep a policy on track.

It depends on your goals and budget. It can make sense for people who want the potential return of premiums and are confident they can keep the policy for the full term.

Canceling early may return only part or none of the premiums, depending on the policy's schedule.

P&R Insurance Agency focuses on Universal Life and Return of Premium Term policies to help young professionals and families lock in affordable rates while building long-term financial security.

Call P&R Insurance Agency at (903) 729-4422 to review both options and see which fits your goals and budget.

Texas is the only state that does not require most private employers to carry workers' compensation. Employers who opt out are called nonsubscribers and must meet notice requirements, and many contracts still require coverage.

A nonsubscriber is a Texas employer that chooses not to carry workers' compensation insurance. Nonsubscribers can be sued by injured employees and lose certain legal defenses.

Workers' compensation covers medical expenses, a portion of lost wages, rehabilitation, and death benefits for employees injured or made ill on the job.

Many government and public entity contracts in Texas require contractors and subcontractors to carry workers' compensation coverage.

Premiums are based on payroll, job classification codes, and the business's claims experience, often reflected in an experience modification rate.

An experience modification rate, or EMR, compares a business's claims history to others in its industry. A lower EMR can reduce premiums.

Yes. Sole proprietors and business owners can often elect coverage for themselves, which may be required by general contractors.

Get the employee medical care, document the incident, report it to your insurer promptly, and follow Texas reporting requirements.

Independent contractors are generally not covered under your policy, but misclassified workers may be treated as employees. Certificates of insurance from contractors help protect your business.

Yes. P&R Insurance Agency provides workers' compensation insurance for East Texas businesses.