About

As the owner of Emma Ratliff amp; Associates, LLC with American Family Insurance, I help individuals, families, landlords, farmers, ranchers, and small business owners find the right insurance protection for every stage of life. 

Since entering the insurance industry in 2018, I've been committed to helping clients make confident decisions about their coverage through education, personalized guidance, and exceptional service. My team and I believe insurance should be designed around your needs, goals, and dreams. We focus on protection, not just a price tag. 

We specialize in: Auto, Home, Renters, Life, Small Business, Landlord Rental Property, Farm Ranch, Umbrella, and Recreational insurance products. 

We proudly serve clients throughout Oskaloosa, Albia, Knoxville, Pella, Sigourney, Eddyville, Fremont, Hedrick, New Sharon, and communities across Iowa.

Want to walk through our door? We would love to meet you.  

221 1st Ave E
Oskaloosa, IA 52577 

American Family Insurance's vision is "To be the most trusted and valued customer-driven insurance company." 

Whenever you have questions concerning your auto, home, life, recreational, umbrella, rental, small business, farm or ranch policies, my team and I are here to answer them. From the moment you call, email, text, send us a LinkedIn or Facebook message or take the time to walk through our front door, we will work with you to assemble a customized insurance program specified to meet your needs and protect your dreams. And whenever or however you contact us, there will always be an insurance professional available to assist you.

We are licensed in: Iowa, Missouri, Kansas, South Dakota, Arizona, and Colorado.

Our office hours are: 

Monday - Thursday: 9am-4pm
Friday: 9am-3pm.
Phone:  8am-6pm
Flexible appointments are available outside of regular office hours to accommodate your schedule.