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Commercial Insurance

How Bundling Home and Auto Insurance Helps You Save Time and Money

By John Scott Insurance Commercial Insurance Oct 26, 2026

A smiling man opens the passenger door of a grey crossover SUV parked in a driveway for a woman sitting inside, with a two-story house in the background - www.johnscottinsurance.com

An insurance bundle occurs when you purchase two or more insurance policies—such as homeowners and personal auto insurance—through a single agency or insurance provider. Combining these policies typically qualifies policyholders for multi-policy discounts while simplifying policy management into a single account. Why Should You Combine Your Home and Auto Insurance Policies? Managing separate insurance policies[…]

CONTACT JOHN SCOTT INSURANCE

Toll Free: (800) 810-2123

Fax: (206) 339-8224

Email: info@johnscottinsurance.com

Address: 105 Commercial Street, Dowagiac, MI 49047

The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.

About Taylor

Taylor lives in Niles, Michigan, with her fiancé and their two cats. A big football fan, she loves cheering on Notre Dame and the Chicago Bears. In her free time, Taylor enjoys reading, spending weekends with friends, and traveling—especially to destinations near the ocean! Fall is her favorite season, pink is her favorite color, and she’s also a big fan of Marvel and Star Wars.

About KERI

Keri lives in Edwardsburg with her husband, two of their three children, and their furry family members—three dogs and two cats! One of her greatest joys is spending time with her two grandchildren, and she loves every opportunity to visit them.

Outside of work, Keri enjoys reading, listening to all kinds of music, taking pictures, and watching her favorite show, The Big Bang Theory. She also loves riding motorcycles with her husband and making memories along the way. Always curious and eager to grow, Keri enjoys learning new things and embracing new experiences.

John Scott Insurance Agency ROLE

Personal Protection Leader

Tammy

About TAMMY

Tammy Yarbrough was born in in South Haven Michigan and raised in Grand Haven Michigan. She attended both Davenport University and Western University to complete a degree in Accounting. Tammy is a mother of three boys with a total of nine grandchildren that she absolutely loves spending time with. She has previously worked as a Care Supervisor, then a Branch Manager in the Home Healthcare field. She has lived in Southwest Michigan for the last 17 years and absolutely loves the small town vibe and support.

John Scott Insurance Agency ROLE

Tammy’s role at JSI will include accounting as well as being the executive assistant to the company’s President.

Fun Facts

She rides own motorcycle
Family time is her #1 Priority
She Loves to inspire and motivate others

About MARIS

Maris grew up in Niles Michigan and attended Edwardsburg high school. During his freshman year of college he had the privilege of playing baseball at Holy Cross College and South Dakota State University. Maris went on to receive a BBA in marketing from Western Michigan University. After college, he spent 2 years as the Operations Assistant Store Manager at Kroger in Bloomfield Hills Michigan.

Maris enjoys traveling and experiencing different cultures. His favorite trip was studying abroad in Thailand. One of his favorite things to do in his free time is to try new local restaurants. He is excited to begin his career as the 4^th generation of the John Scott Insurance agency.

John Scott Insurance Agency ROLE

Commercial Protection Leader

About KATIE

Katie was born and raised in Niles, Michigan, where she continues to live with her husband, their two children, and two rescue pups. She earned her associate degree in Design and Graphic Technology from Southwestern Michigan College and serves as a Personal Protection Leader at John Scott Insurance Agency.

Outside of work, Katie is fully embracing her sports mom era! Much of her free time is spent cheering on her kids at football, soccer, sideline and competitive cheer, flag football, and local pageants. When she finds a little time for herself, she enjoys photography, crocheting, baking, and party planning.

Katie loves traveling anywhere warm and proudly cheers for Notre Dame, the Niles Vikings, and the Arizona Cardinals.

John Scott Insurance Agency ROLE

Personal Protection Leader

Fun FACTS

Katie is an avid crafter and enjoys many forms of crafting in her spare time.
Katie’s favorite color is black. Her favorite TV show is NCIS, but she also enjoys watching reruns of Veronica Mars and Castle.
She loves watching all of the Marvel movies, but her all-time favorite movie is Breakfast at Tiffany’s.

About Jaki

Jaki lives in Niles with her husband, their new baby girl, Charlee, and their three cats, Nacho, Pickles, and Noodle.

She is active in her Apostolic Pentecostal church and enjoys spending time with her family and faith community.

Outside of work, Jaki enjoys reading, crocheting, and target shooting whenever she gets the chance. She also has a love for shoes, perfume, and a growing assortment of cups and tumblers!

About BROCK

Brock grew up in Niles Michigan and attended Edwardsburg high school. Brock went on to receive a BBA in Automotive Aftermarket Management and a double major in Marketing from Northwood University. After college, he spent 3 years in outside sales at a Heavy-Duty Distributor in Virginia Beach, VA.

Brock enjoys movies, trivia, and car shows. He is excited to begin his career as the 4th generation of the John Scott Insurance agency.

John Scott Insurance Agency ROLE

Commercial Protection Leader

About NIKKI

Nikki has lived in Michigan her entire life. Currently she lives in Galien with her 4 children. Her oldest is a junior at MSU and her other three attend Buchanan Community Schools. She loves all the seasons Michigan has to offer but summer is her favorite where you can find her spending her free time on the beach or Lake Michigan.

John Scott Insurance Agency ROLE

Nikki’s role at John Scott Insurance is being responsible advising Personal Lines clients, making sure they have accurate and appropriate coverage to keep them protected.

Fun FACTS

I’m my kid’s biggest fan and enjoy attending all of their many sporting events
Adores her two dogs – lab/weimaraner mix and pomapoo.
Enjoy all kinds of music, especially new songs introduced by her 16-year-old son.

Privacy Policy

Protecting your privacy is very important to us. We collect and use “nonpublic personal information” about our customers to provide our customers with a broad range of insurance and financial services. This Privacy Policy describes what we do with that information and how we protect it. You do not need t take any action in response to this notice. We are providing it to inform you of how we handle certain information that we collect.

What Information We Collect and From Whom We Collect It

We collect nonpublic personal information about you from:

Information we receive from you on applications other forms, such as your name, address, Social Security number, telephone number, assets, income, and insurance beneficiaries
Your transactions with us, our affiliates, or others, such as payment history, account balance, claims information, and policy coverage and premiums.
The information we receive from a consumer reporting agency, such as your motor vehicle report, insurance score, and credit history.

“Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you for personal, family or household purposes. It does not include information available from government records, widely distributed media (such as phone books), or government mandated disclosures. It also does not include health or medical information otherwise protected by state or federal law

What Information We Disclose and To Whom We Disclose It

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. For example, we may disclose nonpublic personal information about you in the following situations:

To carry out a transaction that you request.
To provide information to companies that perform services on our behalf to help us administer your insurance policies and adjust claims.
To comply with a validly issued and enforceable subpoena or summons.

We may disclose all of the nonpublic personal information that we collect about you, as described above, to companies that perform marketing services on our behalf, or to other financial institutions, such as insurance companies with whom we have joint marketing agreement.

We do not sell information about our customers.

Our Security Procedures

We restrict access to non-public personal information about you to those employees who need to know the information in order to provide insurance services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and with our professional standards.

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About TODD

Todd graduated from the College of the Ozarks in Branson, Missouri and was co-captain of the Ozarks baseball team. He then attended the Western Michigan University where he earned his Masters’ degree, and completed all course work towards a doctorate degree at Andrews University in Berrien Springs.

Prior to purchasing the agency in 2002 he served as an assistant baseball coach at the University of Notre Dame and Holy Cross College, and was a Principal at a local Middle School.

Todd and his wife Amy, live in Niles, Michigan, with their children Maris (21, Western Michigan University), Brock (20, Northwood University), Mason (15), Dominic (13), and Isabella (6).

John Scott Insurance Agency ROLE

Todd handles the day to day operations and is in charge of leading agency growth.

Fun FACTS

Avid fan of the New York Yankees and the University of Notre Dame.
Reads one business/leadership book a month.
Loves spending time with his family.

About AMY

In 1993, after graduating Magna Cum Laude in Finance at Western Michigan University, Amy joined her father Richard Scott to work in the agency. In 2002, Amy became a third generation owner and has enjoyed a twenty three year career as the agencies lead commercial lines Risk Manager. She has served on the Advisory Board of Hastings Mutual Insurance Company for several years and is recognized as a top producing agent.

Amy and her husband Todd, live in Niles, Michigan, with their children Maris (21, Western Michigan University), Brock (20, Northwood University), Mason (15), Dominic (13), and Isabella (6).

John Scott Insurance Agency ROLE

In addition to being the company Vice President, Amy is also the leader of the Commercial Lines and High Value Client Departments. Her daily activities include providing expertise and advice to help clients make educated decisions regarding their Insurance Risk Management program.

Fun FACTS

Loves spending time with her friends and family
University of Notre Dame follower

About MATT

Matt earned his bachelor’s degree from Grand Valley State University in Allendale, Michigan. After a brief career in education, he joined John Scott Insurance Agency in 2004 and has been a valued member of the team ever since.

As a Commercial Lines Advisor and Director of Technical Services, Matt brings years of industry experience to his role. He also holds the Construction Risk and Insurance Specialist (CRIS) designation, reflecting his specialized knowledge of contractors insurance.

Matt lives in South Bend, Indiana, with his wife, Alison, their two daughters, Emily and Avery, and their Mini Aussiedoodle, Marleigh. An avid outdoorsman, he enjoys fishing, hunting, boating, golfing, and spending time at his family’s cabin in Michigan’s Upper Peninsula. He’s also a dedicated University of Michigan and Chicago Cubs fan. When he’s not working, Matt enjoys traveling, staying active, and spending quality time with his family.

John Scott Insurance Agency ROLE

Here at John Scott Insurance Agency, Matt is a Commercial Lines Advisor and Director of Technical Services.

Fun FACTS

Avid outdoorsman
University of Michigan and Chicago Cubs fan
Especially enjoys hunting, coaching his kids, and playing other sport activities

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