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Micke Steven Disability insurance is a type of insurance coverage that provides a replacement of someone's income in the event that that person is prevented from working due to an injury or illness. Your life is the most precious asset your family has, so let us help you protect what matters most. Living in the land of the 10,000 Lakes gives you the opportunity to explore what the area has to offer.

Oftentimes we do this in a recreational vehicle and we want to make sure you are adequately covered. Reach out to us so you can ride with maximum peace of mind.
Services
Not only do we represent the best, but we provide superior service to the Twin Ports & surrounding areas with offices located in Cloquet, Hermantown & Superior. Reliable Insurance Agency is an independent agency that will design a personal or commercial insurance program to fit your unique needs. We strive to provide our clients with the very best insurance products and financial services through strong, stable companies. We proactively adapt to market conditions and employ strategies to help our clients achieve desired protection and financial success.
Below we have a list of all of our companies' direct numbers for you to call if you have any questions, or to report a claim. If you do not see your company listed or would rather call us to report the claim, select one of the offices below and give us a call.
Our large staff of professional insurance agents live around your neighborhood allowing them to relate to your needs and offer guidance ensuring you are covered adequately. We possess the tools to shop stable insurance companies to match the right coverage and price. Whether financial distress or physical harm, Reliable will work with you to protect against these possibilities both inside your organizations and with your clients and business partners.We are familiar with the health care providers and hospitals in your local area and are your personal liaison with all the top quality carriers.
Immediate and responsive, our insurance policies help give you control when life seems to take it away. Your health & life are the most precious assets of your family, yet most people don't think much about life insurance. When it comes to protecting your loved ones, Reliable Insurance Agency understands each individual, family, & business has their own needs. At Reliable Insurance Agency, we take pride in helping individuals guarantee a future of financial security through the use of annuities and IRAs.
Reviews (18)
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Barbara Erickson SouthernNana
Jun 05, 2022
Reliable is co has been my company for 25yrs + Name says it all The company has great service, , respond quickly and handled the one accident that I had in a timely manner. They are a fantastic company and prices are always competitive and extra services always added as they come I E Accident forgiveness, , etc that have come along. At one time when I was younger bundled with multiple vehicles and home Great with all And as with previous agent Sarah is a great agent and she's very kind and keeps eye on the ball very "reliable" Thank you Reliable And Sarah
Isaac Pfeffer
Apr 26, 2022
You want a hard charging. easy going. get $H!T done kind of gal!? Sarah is the choice for you. numerous times have have I called with catastrophic life issues and she has been. reliable. ( see what I did there) P.s. ( I am a non attorney spokes person nor a paid actor )
Cheryl Kop
Apr 22, 2022
We have been insured by Reliable Agency for the past 20 years for both our business and personal policies. They are all great, efficient, and do their best to get us the best policies at the lowest prices. What a comfort it has been to be cared for by this wonderful company's perfect employees.
Dick Conley
Apr 18, 2022
I have "Relied" on Reliable's "Starr" agent for years and benefited from her expertise in health care and her quick replies to all my inquiries. I recommend her and the Reliable team highly which I use for home and auto as well.
Fleta Carol
Mar 27, 2022
I've been with Reliable Agency for over 20 years, during which time I had several claims. In EVERY case my agents responded quickly and resolved claims fairly. I started with just my home insurance through Reliable, but soon found the advantages of having them handle my auto and rental and renovation properties as well. Besides being good at their business, I appreciate that they are very supportive of our local schools and community!
John Ericson
Jan 20, 2022
Great people and a great company! They look out for their customers and help with any processing/changes needed for your insurance. I've been with them for years and have no complaints at all.
Michelle Lane
Dec 15, 2021
I ALWAYS get an immediate response from the agents here. I've even had them text me a current picture of my insurance policy when my other one blew away in the wind while waiting for my daughter to take her driver's test! Talk about a life saver; super great agency. You will NOT be disappointed choosing them for your insurance needs.
Mike O'Brien
Dec 14, 2021
Very friendly service. They worked hard to make sure we had good coverage at competitive rates.
Emily Bergstedt
Nov 16, 2021
I've had a great experience with Reliable for my auto and renter's insurance! Everyone has been very professional, helpful, and personable. I feel well taken care of at this insurance agency.
Robin Sander
Nov 14, 2021
Every time I have a question I get a quick response back. Always very helpful and when my auto insurance policy came up for renewal this November I was contacted in October stating that my policy was going to double for such and such reason and they found me almost the same policy with another company for the price I was paying before. My teenager has changed cars about 6 times since he's had his license and they have added and removed cars no problem without any issues.
Cindy Markkula
Nov 06, 2021
I would highly recommend the Reliable Insurance Agency. I deal with the branch in Hermantown and they go out of their way to give friendly service. I recently saved money on my Homeowners Policy due to them being aware of discounts I did not know about from my insurance company. I am not a forgotten customer they go above and beyond to give you the best high-quality service. Thank you Reliable for living up to your name! I am one Happy Customer!
Amanda Cunningham
Nov 03, 2021
We have been working with Reliable Agency for our small business needs for several years. The team there is incredibly fast to respond to any needs and our many questions. It feels great to know there are wonderful, knowledgeable people who are there when you need them and looking out for you and your business.
Teresa Clement
Oct 29, 2021
Reliable Insurance Agency has been a great company, they always make sure I have the best rates I can get. They let me know if they find better prices and they let me know if I should change the type of coverage based on changing situations. I like that I don't have to try and figure it out by myself every year and I don't have to put much thought into my insurance because Reliable Insurance Agency has it all taken care of. Thank you Reliable for making my life that much easier and giving me a no stress way of knowing I'm covered.
Tracey Hartung
Oct 23, 2021
Amazing local agents that go to work for you from day one! We are thrilled to have Jolene Lust as our agent. She is responsive and accessible. Their name says it all - RELIABLE!
Kerry Kolodge
Oct 04, 2021
I have had insurance through the Reliable Agency for many years. I value them as a hometown business with decades of experience in all areas of insurance coverage. I like the personal service I get when I talk to an agent from Reliable. The regular review of my policies for best coverage and value shows the commitment Reliable has to its customers.

Because Reliable has so many companies to choose from, there is a good chance you will find a policy that is a better fit and less expensive than your current policy. I am very satisfied with the Reliable Agency.
Betsy Bond
Aug 31, 2021
I have been with Reliable for years. Any time I change vehicles or need advice on insurance they are always ready to help me out. I just give them a call and they take care of things. Thank you for being so knowledgeable and reliable!
Dean Packingham
Apr 25, 2019
I never thought it'd be possible to LOVE an insurance agency. For our business insurance, Reliable has been nothing short of amazing. We work with Kristen and Micki in Hermantown and they are incredible. Do NOT hesitate to work with them.
Carol Hongisto
Jun 24, 2017
Starr Marshall is fantastic. She has been extremely helpful trying to remedy a problem I am having. I will recommend Starr to all my friends. Best agent ever!