Office Hours - 5pm Monday to Thursday and 4pm Fridays.
Hi, and welcome to the Scott Schoeneman State Farm Agent office in Sturgeon Bay, WI! We proudly serve individuals, families, and small business owners throughout Door County and surrounding Northeast Wisconsin communities, including Green Bay, Kewaunee, Egg Harbor, Sister Bay, Fish Creek, and beyond. Our team is committed to helping our Good Neighbors explore coverage options that fit their needs across Wisconsin.
⚓ Meet Scott Schoeneman: Your Sturgeon Bay State Farm Agent in the Heart of Door County
I’m Scott Schoeneman, your local State Farm Agent in Sturgeon Bay, Wisconsin. From our office at 920 Egg Harbor Road, my team and I help individuals, families, property owners, and businesses understand their insurance and financial options. Our office brings more than 45 years of insurance experience to every conversation.
Door County is a distinctive place to live and work. We assist year-round residents, owners of primary and secondary homes, vacation-rental owners, boaters, local businesses, and people relocating to Northeast Wisconsin. If you are moving to Wisconsin, we can also help with out-of-state insurance transfers as you settle into the area.
Our service area includes Sturgeon Bay, Baileys Harbor, Sister Bay, Washington Island, and communities throughout Door County, along with customers in Kewaunee County, Brown County, and beyond.
I’m a graduate of St. Norbert College, a husband, a father of three daughters, a dog dad, and a proud Wisconsin sports fan. I am also a former board member of Door County Habitat for Humanity, and our agency is proud to support Sturgeon Bay High School. Those relationships matter because we do more than work in Door County—we are part of the community we serve.
🛡️ Insurance Options for Sturgeon Bay and Door County Living
Life in Door County can include everyday commutes, homeownership, seasonal properties, small businesses, and weekends enjoying Wisconsin's lakes, roads, and outdoor recreation.
At the Scott Schoeneman State Farm Agency in Sturgeon Bay, we help individuals, families, and business owners understand coverage for the different properties, vehicles, responsibilities, and activities that are part of their lives.
🏡 Personal and Family Insurance
🚗 Auto Insurance — For daily driving around Sturgeon Bay, changing commutes, newly licensed drivers, and Wisconsin road trips. Purchasing a vehicle or adding a household driver may introduce new coverage questions.
🏡 Home Insurance — For primary residences, eligible seasonal homes, and secondary properties. Renovations, roof replacements, changes in occupancy, or other significant property updates may create new insurance considerations.
🏠 Renters Insurance — For apartments, rental homes, and personal belongings. Moving, changing roommates, or furnishing a new space may introduce new coverage questions.
🏢 Condo Insurance — For condo owners with questions about individual coverage, interior improvements, belongings, and insurance maintained by their condominium association.
❤️ Life Insurance — For individuals and families navigating marriage, growing households, homeownership, career changes, and additional financial responsibilities.
🩺 Health Insurance — For individuals and families exploring available health coverage options as their circumstances and needs change.
🐾 Pet Insurance — For dog and cat owners exploring available coverage for eligible veterinary expenses.
💼 Business and Agricultural Insurance
🏢 Small Business Insurance — For Door County entrepreneurs, shops, restaurants, lodging businesses, contractors, and other operations navigating changes involving property, equipment, staffing, and seasonal activity.
🚚 Commercial Auto Insurance — For eligible company cars, work trucks, service vans, and other vehicles used for business purposes.
🌾 Farm and Ranch Insurance — For eligible farms, rural properties, and agricultural operations, including considerations involving buildings, equipment, and changing operations.
🌊 Door County Recreational Insurance
🚤 Boat Insurance — For boating, fishing, and time spent on Green Bay, Lake Michigan, and surrounding Door County waterways.
🚐 RV Insurance — For campers, motorhomes, weekend getaways, and longer road trips throughout Wisconsin and beyond.
🏍️ Motorcycle Insurance — For scenic rides through Door County, everyday riding, and weekend trips across Northeast Wisconsin.
🛻 ATV and UTV Insurance — For trail riding, off-road recreation, and eligible vehicles used around rural property.
❄️ Snowmobile Insurance — For winter riding on designated Wisconsin trails when conditions allow. Purchasing a sled or changing riding habits may introduce new coverage questions.
❄️ From Seasonal Retreats to Winter Roads: Preparing Door County for November and December
November and December bring shorter days, freezing temperatures, holiday gatherings, and changing routines throughout Sturgeon Bay and the Door Peninsula. As summer visitors give way to quieter winter months, homeowners, seasonal property owners, and local businesses may have different preparations to consider before colder Wisconsin weather settles in.
🏡 What should Door County homeowners check before winter?
Consider clearing gutters and drainage areas, disconnecting outdoor hoses, checking exposed pipes, and inspecting weather stripping around doors and windows. Testing smoke and carbon monoxide alarms, reviewing household escape routes, and arranging appropriate heating-system maintenance can also be part of seasonal preparation.
A remodeled room, new roof, detached structure, or other significant improvement may provide useful context when reviewing Home Insurance.
🏠 What if your Door County property is only occupied part of the year?
Seasonal homes and secondary residences may require additional attention as temperatures fall and occupancy patterns change. If a property will be unoccupied for extended periods, consider maintaining appropriate indoor temperatures, preparing plumbing for freezing conditions, arranging snow removal, and scheduling periodic property checks.
Changes in occupancy, property use, or significant improvements may also create new Home Insurance questions. Our team can help explain available State Farm options based on the property's circumstances.
🔑 What should renters and condo owners consider?
A recent move, roommate change, renovation, or significant purchase may introduce new Renters Insurance or Condo Insurance considerations. Condo owners may also want to understand how their individual coverage relates to insurance maintained by their association.
🏢 How do seasonal changes affect Door County businesses?
Restaurants, lodging properties, shops, contractors, and other local businesses may experience changes in staffing, equipment, operating hours, or property use as the busy visitor season winds down.
These changes can provide useful context when reviewing Business Insurance. Companies that use eligible work trucks, service vans, or other business vehicles may also have Commercial Auto Insurance questions.
🎄 What about holiday gatherings and winter travel?
November and December often bring family visits, seasonal decorations, and travel plans. Checking holiday lights for damaged wiring, keeping decorations away from heating sources, and maintaining clear walkways can be useful safety measures.
Before winter travel, consider checking vehicle tires, windshield wipers, lights, batteries, and emergency supplies. Snow, ice, and changing road conditions may also affect travel throughout the Door Peninsula.
From Sturgeon Bay and Egg Harbor to Fish Creek, Sister Bay, Baileys Harbor, and surrounding Door County communities, our team welcomes the opportunity to answer questions about recent property, household, and business changes as winter approaches.
❤️ Life Insurance in Door County: Planning for the People Who Matter
Life Insurance conversations often begin with the people who depend on you and the responsibilities you carry. As families grow, homes are purchased, careers change, and businesses evolve, those responsibilities can look different from one stage of life to the next.
At the Scott Schoeneman State Farm Agency in Sturgeon Bay, we help individuals and families throughout Door County understand Life Insurance based on their current circumstances.
When should you revisit Life Insurance? Marriage, welcoming or adopting a child, purchasing a home, changing careers, caring for a loved one, or taking on additional financial responsibilities may introduce new considerations. Changes in income, debt, or longer-term priorities can also prompt questions about existing coverage.
What if you are exploring Life Insurance for the first time? You do not need to know which option you want before starting the conversation. We can begin with your household, responsibilities, existing coverage, and questions before explaining available State Farm choices.
What should Door County business owners consider? Depending on the business and its ownership structure, Life Insurance may also be relevant to questions involving key individuals, ownership interests, business debt, or other financial obligations if an owner or another person important to the operation dies.
Whether you are establishing roots in Sturgeon Bay, raising a family elsewhere on the peninsula, or managing a business connected to Door County's seasonal economy, our team welcomes your Life Insurance questions.
📞 Let’s Connect
Call, text, Zoom, or visit our Sturgeon Bay office during business hours to review your insurance coverage or request a no obligation quote. Whether you are a current customer or new to the area, our team is here to help you protect what matters most this spring and beyond.
