DeMotte

About DeMotte

Insurance in DeMotte, IN

Inszone writes insurance in DeMotte, IN from our office at 921 S. Halleck St. The office is on South Halleck Street, DeMotte’s main road through town, a few minutes from I-65 and a short drive south of the Kankakee River.

This office was Financial Arts, and it joined Inszone with its address and phone number unchanged. Policies carried over. Dan Fagen, Sales Manager for the Midwest, works from here with Val Fagen, a licensed agent, and Karen Retzlaff, our Benefits Account Manager, so personal, farm, business and employee benefits clients are all served from the same office.

DeMotte sits between Jasper County farm country and the commuter belt that runs north toward Chicago, and the policies we write reflect both. As an independent agency we represent many carriers rather than one, so when a carrier changes how it settles roofs or pulls back on rural property, we have somewhere else to go.

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Personal & Farm Insurance in DeMotte, IN

For DeMotte households and farms we write homeowners, renters and landlord policies, auto, personal umbrella liability, farm and acreage coverage, and specialty lines including motorcycles, boats, RVs and classic cars.

Hail, straight-line wind and tornado drive Indiana property claims, and many Indiana carriers have moved toward settling older roofs at actual cash value rather than replacement cost. We read the roof terms and the wind and hail deductible on every option, because two quotes at the same premium can pay very differently after a storm. Flood is excluded from standard homeowners policies; homes near the Kankakee River or in low-lying ground can add it through the National Flood Insurance Program or a private carrier.

A farm is where a standard homeowners policy stops fitting. Homeowners forms generally limit or exclude farming activity, and the liability that comes with grain, livestock and equipment on public roads is the part people most often assume is included. Farm insurance in Indiana is usually written as a farm policy that brings the house, outbuildings, equipment and farm liability together, and crop coverage is a separate federally backed program.

Drivers comparing car insurance in DeMotte, IN should know Indiana requires 25/50/25 liability. Uninsured and underinsured motorist coverage must be offered and can be rejected in writing, and one named insured’s rejection applies to everyone on the policy, so it is worth checking who signed what.

Many DeMotte households commute on I-65 into Lake County or across the state line into Illinois. When we quote auto insurance in DeMotte, IN, we look at where the vehicle is actually driven and garaged, since daily mileage into the Chicago area can change the rating.

Medicare is part of this office’s work. Medicare Advantage and Medicare Supplement plans can be reviewed here, and the Annual Enrollment Period each fall, October 15 to December 7, is when most people can change their plan for the coming year. Life insurance and annuities are available through the same office.

Business Insurance in DeMotte, IN

For DeMotte and Jasper County businesses we place general liability, commercial property, business owner’s policies, commercial auto, workers’ compensation, farm operations, professional liability and surety bonds, working with Inszone’s commercial team where an account needs it.

Indiana requires workers’ compensation from all employers, with no minimum employee count, so the first hire triggers it. Workers comp in Indiana does not apply to farm and agricultural employees, household employees or casual laborers, though they can be covered by election, and that exemption matters for many Jasper County operations.

Employee benefits and small business health insurance are handled here by our Benefits Account Manager, alongside the property and liability side of the account. Contractors, retail, restaurants, trucking and agricultural businesses are all lines we write. Certificates of insurance and additional insured endorsements are turned around quickly, because that is usually what is holding up a job.

Inszone Insurance agency near me

Our DeMotte insurance office is open Monday to Friday, 8:00am to 5:00pm, with weekends by appointment. Call 219-987-4438, use the quote form on this page, or come by 921 S. Halleck St.

From DeMotte we work with clients across Jasper and Newton counties and into Lake and Porter counties, including Wheatfield, Rensselaer, Lake Village, Hebron, Lowell and Kouts. Whether you are reviewing a Medicare plan before the fall enrollment period, adding outbuildings and equipment to a farm policy, checking how your roof would settle, or setting up benefits for a small team, our insurance agents in DeMotte can talk through the options available for your situation.

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FAQs

What are the minimum auto insurance requirements in Indiana?

Indiana requires liability limits of at least $25,000 per person, $50,000 per accident, and $25,000 for property damage — the property damage figure rose to $25,000 in 2018. Uninsured and underinsured motorist coverage must be offered and can be rejected in writing, and one named insured’s rejection binds everyone on the policy.

When can I change my Medicare plan?

Most people can change Medicare Advantage or Part D prescription drug plans during the Annual Enrollment Period, October 15 to December 7, with the new plan starting January 1. Medicare Advantage members also have an open enrollment period from January 1 to March 31. Medicare Supplement plans are easiest to buy during your six-month Medigap open enrollment period, which starts when you are 65 and enrolled in Part B. A specialist can walk through which window applies to you.

Does my homeowners policy include my farm?

Usually not in full. The standard homeowners form generally limits or excludes farming activity, including the liability that comes with livestock, grain handling and farm equipment on the road. A farm policy brings the house, outbuildings, equipment and farm liability onto one form, and a specialist can look at what you run and tell you which form fits.

Does my DeMotte business need workers’ compensation insurance?

Indiana requires coverage from all employers with no minimum employee count. Farm and agricultural employees, household employees and casual laborers are exempt but may be covered by election, as may sole proprietors, partners and LLC members.

Is this the same office that was Financial Arts?

Yes. Financial Arts, Inc. joined Inszone Insurance and this office continues from 921 S. Halleck St. with the same phone number, 219-987-4438. Policies carried over.

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

Call 219-987-4438 or use the quote form on this page, and come by 921 S. Halleck St. if you would rather do it in person. Have your current declarations page to hand if you can, your Medicare card and current plan if you are reviewing Medicare, and for farm or business coverage a list of buildings and equipment, your payroll and recent loss runs.