Please ensure Javascript is enabled for purposes of website accessibility Best Independent Insurance Agency in Lake City, MN

You keep building the life you want

and we will protect it.

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Personalized Customer Service

Let’s face it, you can buy insurance anywhere. On the internet, in person, over the phone. There’s always someone willing to give you a quote, write a policy and take your money. But what happens when a thunderstorm knocks a tree through your roof? When your son or daughter has their first fender-bender? When a customer slips and falls on your sidewalk?

Who’s going to be there for you then? A website? An offshore call center? Someone’s voicemail?

Musty-Barnhart Agency is the agency of choice for your insurance.

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Why Choose Musty-Barnhart Agency

Personal Insurance

For home, auto and umbrella insurance, turn to the experts at Musty-Barnhart Agency. Walk-ins are welcome at our multiple office locations, aside from Lutsen, MN, which is by appointment only.

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Don’t be caught unprepared. When challenges or unanticipated changes come, life insurance is there to ensure your family will be covered.

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We'll help you choose the right health or life insurance coverage from among the top providers in the industry. Request an appointment with one of our agents to get started.

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Exploring new places is exhilarating, but with every new experience comes risk. Recreational insurance policies are designed to help manage these risks, so you can return to the enjoyment you’ve earned.

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Protect your business with a comprehensive insurance policy, thanks to Musty-Barnhart Agency Inc. At our locally owned agency, we'll work to find the right policy to match your company's needs.

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You rely on your wheels more than you may know, and the consequences of a vehicle's loss or damage can affect other parts of your life. The right insurance will help you to be financially protected against these consequences.

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Our Providers


Red Wing, MN

Lake City, MN

Ellsworth, WI

Lutsen, MN