Brookfield

About Brookfield

Insurance in Brookfield, MO

Inszone writes insurance in Brookfield, MO from our office at 101 North Main in downtown Brookfield. The office is a few blocks off US 36, the highway that ties Brookfield to Marceline, Laclede and Chillicothe, and a short drive from Pershing State Park.

This office was DeVoy Baker Insurance, and the DeVoy family has been in the insurance business in Brookfield since 1910. The agency joined Inszone with its address and its 660-258-2233 number unchanged, and policies carried over. Blake DeVoy runs the office as Branch Manager and Senior Commercial Insurance Specialist, and Kathy Falconer is our Senior Personal Insurance Specialist.

Because we are an independent agency, we represent many carriers rather than one. For anyone comparing insurance in Brookfield, that means a farm, a municipal account or a family’s home and cars can each be placed with the carrier whose terms fit it, and moved when a carrier changes its appetite.

Buy your insurance in Brookfield, MO!

Personal Insurance in Brookfield, MO

For Brookfield households we write homeowners, renters, landlord and farm dwelling policies, auto, personal umbrella liability, and specialty lines including motorcycles, boats, RVs and collector vehicles.

Drivers comparing car insurance in Brookfield should know Missouri requires liability limits of at least $25,000 per person, $50,000 per accident and $25,000 for property damage, plus uninsured motorist coverage at 25/50. Underinsured motorist coverage is optional in Missouri, but it must be offered. When we quote auto insurance in Brookfield, we look at how far the vehicles travel, since rural miles on US 36 and the county roads add up.

Hail, straight-line wind and tornadoes are behind many north-central Missouri property claims. On every homeowners option we read the wind and hail deductible and check whether an older roof is settled at actual cash value or replacement cost, because two quotes at a similar premium can pay very differently after a storm. Earthquake and flood are excluded from standard homeowners policies; earthquake can usually be added by endorsement, and flood through the National Flood Insurance Program or a private carrier.

Business Insurance in Brookfield, MO

For Brookfield employers we place general liability, commercial property, business owner’s policies, commercial auto, workers’ compensation, professional liability and surety bonds. Contractors, manufacturers, retail, restaurants, trucking and agribusiness are all lines this office writes.

Much of what a rural business owns does not sit still. Inland marine insurance is written for property that moves or sits away from your premises: tools and equipment on a job site, goods in transit, and installation work before it is handed over. For builders and excavators, contractors equipment insurance schedules each machine at its value, or places tools and smaller equipment on a blanket limit.

On the farm side, farm equipment insurance schedules tractors, combines and implements on a farm policy, including while they travel on public roads between fields. The same policy can bring the house, outbuildings, stored grain, livestock and farm liability together.

Manufacturers insurance usually combines property and equipment breakdown for the plant, business income if production stops after a covered loss, and product liability for what leaves the dock.

Cities, counties, school districts and special districts carry exposures a standard business policy was not built for. Municipal insurance brings property, general liability, public officials liability, law enforcement liability, auto and workers’ compensation together for a public body. Public entity insurance can be placed with a commercial carrier or compared against a public-entity risk pool, and we help boards look at both.

Missouri requires workers’ compensation at five or more employees, but construction employers need it from the first employee. Farm labor is exempt, which matters for farm operations, though farm employers can elect coverage.

Inszone Insurance agency near me

Our Brookfield insurance office is open Monday to Friday, 8:00am to 5:00pm, with weekends by appointment. Call 660-258-2233, use the quote form on this page, or come by 101 North Main.

Inszone’s Brookfield insurance agency works with clients across Linn County and north-central Missouri, including Marceline, Laclede, Meadville, Bucklin, Linneus, Chillicothe and Macon. Whether you are adding a new combine to a farm schedule, renewing a city’s liability program, putting a contractor’s equipment on an inland marine floater, or checking how your roof would settle after hail, our insurance specialists can talk through the options available for your situation.

Get your free insurance quote!

FAQs

What are the minimum auto insurance requirements in Missouri?

Missouri requires liability limits of at least $25,000 per person, $50,000 per accident, and $25,000 for property damage. Uninsured motorist bodily injury coverage is mandatory at $25,000 per person and $50,000 per accident. Underinsured motorist coverage is optional and must be offered.

What is inland marine insurance?

It is commercial property insurance for things that move or are kept away from your main location: contractors’ tools and equipment, goods in transit, property at an installation site, and similar mobile property that a standard commercial property policy often limits or excludes. Items are usually scheduled individually or placed on a blanket limit, and a specialist can show which approach fits your equipment.

Does my Brookfield business need workers’ compensation insurance?

Missouri requires coverage at five or more employees, but construction employers that erect, alter, demolish or repair improvements need it at one or more. Farm labor, domestic servants and certain real estate agents are exempt, and corporate officers, LLC members and family employees are presumed covered unless they opt out.

Can a city or school district buy insurance through a local agency?

Yes. Missouri public bodies can place property, liability, auto and workers’ compensation with commercial carriers through an agency, or join a public-entity risk pool. Boards can compare the two at renewal, looking at limits, deductibles, public officials and law enforcement liability, and the services each option includes.

Is this the same office that was DeVoy Baker Insurance?

Yes. DeVoy Baker Insurance joined Inszone Insurance, and this office continues from 101 North Main with the same phone number, 660-258-2233, and the office is led by Blake DeVoy. Policies carried over.

How do I get a quote from your Brookfield insurance office?

Call 660-258-2233 or use the quote form on this page, and come by 101 North Main if you would rather do it in person. Have your current declarations page to hand if you can; for a farm, a list of buildings and equipment; for a business or public entity, your revenue or budget, payroll by class and recent loss runs.