Personal Insurance
Personal Insurance That Protects Your Life and Legacy
Your personal insurance is more than a policy—it’s a safety net that protects your family, your home, your vehicles, and your financial future. At P&R Insurance Agency, we work with families across Palestine, Athens, Tyler, Jacksonville, Canton, and communities throughout East Texas to build customized personal insurance plans that fit real lives.
Instead of pushing cookie-cutter policies, our approach focuses on education, clarity, and cost-effective protection. We take the time to explain what you’re paying for, what’s truly essential, and where you might be able to save without sacrificing coverage.
Auto Insurance
Homeowners Insurance
Specialty Vehicle Coverage
Auto insurance is often the first policy most people buy, yet it’s one of the most misunderstood. Too many drivers in Texas discover gaps in coverage only after an accident—when it’s too late to make changes. We help drivers understand every part of their protection, from deductibles and comprehensive coverage to collision and rental reimbursement. We compare carriers to find the right balance of cost and security.
For most families, their home is their largest investment, and the right policy protects far more than the structure itself. We help East Texas homeowners understand true replacement costs, choose smart deductibles, and adjust coverage as their property improves or values rise. Our approach prevents underinsurance, avoids costly add-ons, and delivers peace of mind. Whether you own a home in Palestine or nearby, we’ll build protection that lasts for years to come.
Life in East Texas often means more than cars and houses—it’s about enjoying the freedom of the road, trail, and open air. Our agency provides protection for motorcycles, RVs, campers, ATVs, and other recreational vehicles, ensuring each is covered for both liability and physical damage. These assets deserve proper attention, and we make sure they’re insured for every season of life. Wherever your adventures take you, your coverage travels with you.
Why Work with an Independent Agency
Paige Nicholson
Owner
As an independent insurance agency, we aren’t tied to one carrier. That means we can shop multiple insurance companies on your behalf, giving you more options and better value.
More importantly, we act as your advisor and advocate, not a salesperson. If a claim happens, we’re here to help guide you through the process, making sure you receive the support you’re paying for. Our clients choose us because they want someone local, knowledgeable, and willing to explain their options in plain language.
Helping You Avoid Costly Mistakes
Many families unknowingly overpay for unnecessary coverage or leave dangerous gaps that can lead to financial hardship after a loss. Some of the most common mistakes we see include:
- Choosing deductibles without understanding their impact.
- Assuming all policies cover rental cars automatically.
- Letting policies lapse, which can raise future premiums significantly.
- Underinsuring homes based on outdated market values.
We address these issues upfront, so you can feel confident that your policy truly fits your situation.
Serving Families Across East Texas
Our personal insurance services extend beyond Palestine. We proudly work with individuals and families in Athens, Tyler, Jacksonville, Canton, and across East Texas. Whether you prefer to meet in person at our office or set up a virtual consultation, we make it easy to review your coverage and get answers to your questions.
Start Protecting What Matters Most
Choosing the right personal insurance is easier when you have a local team on your side. Whether you’re insuring your first car, purchasing a home, or expanding coverage for your recreational vehicles, P&R Insurance Agency is ready to help.