John Scott Insurance

John Scott Insurance Located in Dowagiac, MI, the John Scott Insurance Agency has become the agency of choice by residents in Michigan, Indiana, and Illinois.

John Scott Insurance Agency has become the agency of choice by residents in Michigan, Indiana & Illinois

Providing both Personal and Commercial Insurance protection

PROVIDING OUTSTANDING COVERAGE SINCE 1960

Small-Town Values Meets World-Class Service What began as a ma’ and pa’ business in 1960, has evolved in to a regional powerhouse providing both personal and commercial insurance protection…

while maintaining that same friendly personal service! Dale Rifenberg at John Scott Insurance Agency
Address : 118 Main Street, Buchanan, MI 49107
Phone : 269.695.1200

John Scott Insurance Agency
Address : 105 Commercial St, Dowagiac, MI 49047
Phone : 269.782.2123

Did you know that standard homeowners insurance does NOT cover flood damage? It's one of the most common coverage gaps w...
06/04/2026

Did you know that standard homeowners insurance does NOT cover flood damage?
It's one of the most common coverage gaps we see, and with summer storm season in full swing, now is the time to address it.
Here's the truth about flood insurance: Flood damage can happen anywhere — not just in FEMA flood zones. Just 1 inch of water in your home can cause over $25,000 in damage. Flood insurance is available through the National Flood Insurance Program (NFIP) and private carriers. There's typically a 30-day waiting period, so don't wait until a storm is in the forecast.
Rising water doesn't discriminate so let's talk about your flood risk and whether flood insurance makes sense for you. https://johnscottinsurance.com/contact/

Happy last day of May! 🌞 Summer is officially in full swing — and we couldn't be more excited.Before June arrives, we wa...
05/31/2026

Happy last day of May! 🌞 Summer is officially in full swing — and we couldn't be more excited.

Before June arrives, we wanted to share one of our all-time favorite summer desserts — perfect for backyard cookouts, graduation parties, or just a Tuesday night treat:

🍋 EASY LEMON BLUEBERRY SHEET CAKE 🫐
• 1 box white cake mix + eggs, oil & water per package directions
• Zest of 2 lemons + 2 tbsp lemon juice (add to batter)
• 1 cup fresh blueberries folded in before baking
• Bake at 350°F in a 9x13 pan for 28-32 min

FROSTING: Beat 8 oz cream cheese, 2 cups powdered sugar,
2 tbsp lemon juice until smooth. Spread on cooled cake.
Top with more blueberries. Refrigerate until ready to serve. 😍

What's your favorite summer treat? Tell us below! 👇

Your tools and equipment are how you earn a living. Is everything protected while on the job site — and in transit? 🔧🚚Bu...
05/28/2026

Your tools and equipment are how you earn a living. Is everything protected while on the job site — and in transit? 🔧🚚

Builders Risk and Inland Marine coverage protect you when:
🔨 A job site fire or storm damages materials under construction
🚛 Equipment is stolen from your truck or job trailer
💧 Tools are damaged in a vehicle accident or water event

Many contractors assume their general liability covers this. It does NOT. Equipment and tools need separate inland marine coverage.

At Contractors Insurance Agency, we make sure every piece of your business is protected — from the blueprint to the final nail.

📞 (888) 266-5120 | ContractorsInsuranceAgency.com

Contractors — are you losing jobs because your certificate of insurance (COI) isn't in order? 📋General contractors and p...
05/26/2026

Contractors — are you losing jobs because your certificate of insurance (COI) isn't in order? 📋

General contractors and property owners are requiring proof of coverage more than ever. Having the right COI — and having it quickly — can be the difference between winning and losing a bid.

At Contractors Insurance Agency, we:
✅ Get you COIs fast
✅ Make sure your coverage meets contract requirements
✅ Customize your general liability to your specific trade

We work with electricians, plumbers, roofers, HVAC techs, painters, masons, and more across Michigan, Indiana, Illinois, Wisconsin, Iowa, and Minnesota.

📞 (888) 266-5120 | 🔗 ContractorsInsuranceAgency.com
Get your FREE RiskMAP™ today!

Memorial Day weekend is here! 🇺🇸🌟 It's one of our favorite times of year — a chance to honor those who served, spend tim...
05/24/2026

Memorial Day weekend is here! 🇺🇸🌟 It's one of our favorite times of year — a chance to honor those who served, spend time with family, and kick off summer the right way.

Here are some fun ways to make the most of the long weekend:

🎆 Attend a local Memorial Day parade or ceremony
🌊 First beach day of the season at Lake Michigan
🍖 Fire up the grill! Try this 5-ingredient BBQ rub:
Mix: 2 tbsp brown sugar, 1 tbsp smoked paprika,
1 tsp garlic powder, 1 tsp salt, 1/2 tsp black pepper.
Rub generously on ribs, chicken, or pork. Let sit 1 hour. Grill low & slow. 🔥

🚤 Launch the boat for the first time this season! (And make sure your watercraft is insured — we've got you covered there too! 😄)

Wishing everyone a safe and meaningful Memorial Day weekend. 🇺🇸❤️

Summer is right around the corner ☀️ — and that means swimming pools, trampolines, outdoor entertaining, and summer stor...
05/21/2026

Summer is right around the corner ☀️ — and that means swimming pools, trampolines, outdoor entertaining, and summer storms.

Before the season kicks into high gear, here are 3 homeowners insurance questions to ask yourself:

1️⃣ Does my policy cover a new pool or trampoline? (Liability matters here!)
2️⃣ Are my outbuildings, sheds, and fences covered?
3️⃣ What's my deductible for wind and hail damage?

If you're not 100% sure of the answers, that's our cue to connect. A free policy review takes 15 minutes and could save you thousands.

📞 (269) 782-2123 | 🌐 JohnScottInsurance.com

Small business owners — when did you last review your commercial insurance? 🏢If your business has grown, added employees...
05/19/2026

Small business owners — when did you last review your commercial insurance? 🏢

If your business has grown, added employees, purchased new equipment, or expanded services in the last year... your insurance needs have changed too.

Common coverage gaps we find in commercial policy reviews:
⚠️ Underinsured business property
⚠️ Gaps in business interruption coverage
⚠️ Missing cyber liability protection
⚠️ Outdated commercial auto schedules

As an independent agency, we represent many top carriers — which means we find you the RIGHT coverage at the BEST price. Not just what one company offers.

📞 Call Matt, our Commercial Lines Advisor: (269) 782-2123

Hey Southwest Michigan & Northern Indiana families — May is one of the BEST months to get outside! 🌿🌊Here are some of ou...
05/17/2026

Hey Southwest Michigan & Northern Indiana families — May is one of the BEST months to get outside! 🌿🌊

Here are some of our favorite local things to do this weekend:

🚢 Take a sunset cruise on Lake Michigan from St. Joseph
🌸 Visit Fernwood Botanical Garden in Niles (their spring bloom is stunning!)
🎣 Head to Dowagiac Creek for some of the best fishing in the region
🚲 Bike the Kal-Haven Trail from Kalamazoo to South Haven
🍦 Cool off with a scoop at Froehlich's in Buchanan — a local legend!

What are YOUR plans this weekend? Drop them in the comments! 👇

From our family to yours — enjoy every minute of this beautiful season.

As the busy season heats up, job site safety becomes more critical than ever. 🏗️⛑️Did you know that Workers' Compensatio...
05/14/2026

As the busy season heats up, job site safety becomes more critical than ever. 🏗️⛑️

Did you know that Workers' Compensation claims spike significantly in late spring and summer? Heat-related illness, increased activity, and new seasonal hires are all contributing factors.

Here's what every contractor should have in place right now:
✅ A current, adequate Workers' Comp policy
✅ Safety training for all new and returning employees
✅ Clear protocols for on-site injuries

At Contractors Insurance Agency, we specialize exclusively in contractor coverage — so we know your risks better than anyone.

📞 Call us for a free RiskMAP™ analysis: (888) 266-5120
🔗 ContractorsInsuranceAgency.com

Now that summer has officially kicked off — are your toys covered? 🚤🏍️🏕️Your standard auto policy likely does NOT cover:...
05/12/2026

Now that summer has officially kicked off — are your toys covered? 🚤🏍️🏕️

Your standard auto policy likely does NOT cover:
❌ Boats and personal watercraft
❌ Golf carts
❌ ATVs and off-road vehicles
❌ Motorcycles
❌ RVs and travel trailers

Each of these needs its own policy — and the good news is, they're usually very affordable. Don't get caught out on the water or the trail without coverage.

Call us this week and we'll bundle your recreational coverage for maximum savings.

📞 (269) 782-2123 | 🌐 JohnScottInsurance.com

Address

105 Commercial Street
Dowagiac, MI
49047

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4pm

Telephone

+12697822123

Website

Alerts

Be the first to know and let us send you an email when John Scott Insurance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to John Scott Insurance:

Shortcuts

Share

Category