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Your Trusted Local Insurance Partner in Red Wing, MN
Musty-Barnhart Agency Inc is an independent insurance agency serving Red Wing, Lake City, Ellsworth, and Lutsen with personalized insurance solutions. Founded on principles of trust and long-term relationships, we prioritize understanding clients' unique needs to provide tailored coverage across personal, business, health, and life insurance. Our team of certified professionals actively engages with local communities, offering expertise in risk assessment, policy comparison, and claims advocacy.With four convenient locations and 24/7 access to local agents, we combine multi-carrier options with personalized service to protect individuals, families, and businesses. Our commitment to transparency, local market knowledge, and client-centric approach distinguishes us from traditional insurance providers.
Services
Personal Insurance
Business Insurance
Health Insurance
Life Insurance
Medicare Supplements
Recreational Insurance
Umbrella Insurance
Pet Insurance
Commercial Property Insurance
Workers Compensation
Highlights and features
- Locally owned agency with four Minnesota/Wisconsin locations
- Certified insurance professionals with multi-carrier expertise
- 24/7 direct access to local insurance agents
- Community-focused approach with active local involvement
- Customized insurance solutions for personal and business needs
Associations and certifications
- Trusted Choice
What people say
Super helpful
Phenomenal agent
Excellent service
Knowledgeable staff
Personalized approach
Services
Personal Insurance
Our personal insurance solutions protect individuals' assets through homeowners, auto, umbrella, and recreational vehicle policies. We assess clients' unique risks to create customized protection plans that adapt to changing life circumstances. With local expertise in Minnesota and Wisconsin markets, we ensure comprehensive coverage for homes, vehicles, and personal liabilities.
Business Insurance
We provide tailored business insurance for diverse industries including hospitality, manufacturing, and non-profits. Our coverage options include property protection, liability insurance, and workers' compensation. Certified agents work closely with business owners to develop risk management strategies that safeguard commercial assets and operations across multiple states.
Health Insurance
Our health insurance services cater to individuals, families, and employers seeking affordable coverage options. Certified agents help clients navigate Medicare supplements, dental plans, and medical expense policies. We represent multiple carriers to find cost-effective solutions that meet specific healthcare needs while maintaining compliance with state regulations.
Life Insurance
We offer term and permanent life insurance policies designed to protect loved ones financially. Our agents explain policy options and help determine appropriate coverage amounts. The service focuses on creating long-term financial security through customizable plans that adapt to clients' evolving life circumstances and family needs.
Medicare Supplements
Our Medicare supplement insurance helps seniors fill coverage gaps in their existing plans. Certified specialists explain Part D RX options and help select appropriate supplemental coverage. We work with multiple carriers to find affordable solutions that enhance standard Medicare benefits while addressing individual healthcare requirements.
People
Bob Kubes
Agency Partner
Certified Insurance Counselor with extensive experience in commercial insurance solutions. Actively involved in local business communities, providing expert guidance to business owners across multiple industries while maintaining a strong focus on client relationships.
Dee Whipple
Agency Partner
Certified insurance professional specializing in health and life insurance solutions. Committed to helping individuals and families navigate complex coverage options while maintaining active involvement in community outreach programs and local business development initiatives.
Kelsey Flueger
Personal Lines Agent
Experienced personal insurance specialist known for exceptional client service. Focuses on homeowners, auto, and recreational insurance policies while maintaining strong client relationships through personalized attention and comprehensive coverage explanations.
Lindsay Kubes
Commercial Lines Manager
Certified insurance professional managing business insurance solutions for commercial clients. Specializes in property management, hospitality, and manufacturing sectors while maintaining active involvement in professional development and client advocacy.
Brittney Olson
Health Insurance Specialist
Certified agent focusing on individual and group health insurance solutions. Expert in Medicare supplements and medical expense coverage, dedicated to helping clients find affordable healthcare options that meet their specific needs and budget requirements.
Questions
What types of insurance does Musty-Barnhart offer?
We provide personal insurance (home, auto, life), business insurance, health insurance, Medicare supplements, and specialized coverage for recreational vehicles and commercial properties across Minnesota and Wisconsin.
Why choose an independent insurance agency?
As an independent agency, we offer multiple carrier options, personalized service, and tailored insurance solutions. Our local agents provide expert guidance without call centers or automated systems.
Do you serve businesses outside Minnesota?
Yes, our commercial insurance specialists provide coverage solutions for businesses in multiple states, with expertise in regional industries like hospitality, manufacturing, and non-profit organizations.
How can I get emergency insurance assistance?
We offer 24/7 direct access to local agents for emergency situations. Call any of our office numbers to reach a real person who can assist with urgent insurance needs.
Can I get insurance quotes online?
While we recommend personalized consultations, you can request initial quotes through our website or by contacting our local offices in Red Wing, Lake City, Ellsworth, or Lutsen.
What makes Musty-Barnhart different from other agencies?
We combine local community involvement with certified expertise, offering multi-carrier options while maintaining personalized service. Our team's active participation in local chambers of commerce demonstrates our commitment to the communities we serve.
Reviews (1)
Robert Lewis
Feb 27, 2022
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Musty Barnhart has Ben my insurance agents for as long as I can remember. Great people for any insurance need. I wouldn't go any other place.
