Insurance in Lake City, MN
Your Local, Trusted Insurance Agency in Lake City, MN
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Locally Owned and Community Driven
Welcome to Musty-Barnhart Agency Inc., your dependable source for insurance in Lake City, MN. As a locally owned and community-driven independent agency, we proudly serve Lake City and the surrounding areas with comprehensive insurance solutions tailored to your unique needs. Whether you’re protecting your home, your business, your health, or your future, our team is here to offer the expertise, guidance, and coverage options you deserve.
With four convenient locations, including our Lake City office, Musty-Barnhart has built a reputation for personalized service, local accessibility, and trusted advice. When you choose us, you gain more than just an insurance policy—you gain a team of professionals who care deeply about your family, business, and community.
Personal Insurance in Lake City, MN
At Musty-Barnhart, we know how important it is to protect what matters most to you. That’s why we offer a wide range of personal insurance options in Lake City, MN. From your home to your car, your recreational vehicles to your pets, we can help you safeguard every part of your life.
Our personal insurance offerings include:
- Homeowners Insurance
- Renters Insurance
- Condo/Townhome Insurance
- Mobile Home Insurance
- Flood and Umbrella Insurance
- Dwelling/Landlord and Vacant Property Insurance
- Auto Insurance (including antique and hobby vehicles, motorcycles, and utility trailers)
- ATV/Snowmobile, RV, and Boat Insurance
- Pet Insurance
- Valuable Items Coverage (jewelry, fine arts, collectibles)
As an independent agency, we’re not tied to just one insurance provider. This allows us to shop around and find you the best combination of coverage and price from top-rated carriers. We take the time to listen to your concerns, answer your questions, and recommend policies that actually fit your life.
Business Insurance in Lake City, MN
Running a business is no small feat, and protecting it shouldn’t be either. Musty-Barnhart offers custom-tailored business insurance in Lake City, MN, designed to meet the specific risks and challenges your company faces.
Whether you operate a small retail shop, manage vacation rental properties, or own a restaurant, we have the experience and resources to protect your livelihood. Our business insurance services include:
- Commercial Property & Liability Insurance
- Resort, Hotel & Motel Industry Coverage
- Guides/Outfitters and Adventure-Based Business Coverage
- Contractors (HVAC, Plumbing, Electrical, Landscaping, and more)
- Builders Risk and Contractor E&O
- Restaurants, Cafés, Food Trucks, and Catering Services
- Med Spa Professional and General Liability
- Directors & Officers Liability for Nonprofits
- Coverage for Fundraising Events and Special Activities
- Manufacturing (metal goods, cabinet shops, food production)
Our agents will work closely with you to understand your operations and develop a plan that protects you from financial loss, legal exposure, and unexpected disruption. As with all our services, you’ll receive responsive, local service from professionals who understand your industry and your community.
Health and Life Insurance in Lake City, MN
Having the right health and life insurance in Lake City, MN, means peace of mind for you and your loved ones. At Musty-Barnhart, we help individuals and families choose plans that offer meaningful benefits at every stage of life.
Our health and life insurance options include:
- Individual & Family Health Insurance
- Vision and Dental Coverage
- Hospital and Medical Expense Insurance
- Short-Term and Travel Health Insurance
- Medicare Supplement Insurance
- Term Life, Whole Life, and Universal Life Insurance
- Children’s Life Insurance
- Disability Insurance
- Long-Term Care and Annuities
We partner with leading insurance providers to offer flexible plan options, whether you’re self-employed, retired, or just starting your family. Our licensed agents are here to guide you through the details and help you make confident decisions about your future.
Medicare Part D RX & Medicare Cost Plans in Lake City, MN
Understanding your Medicare options can feel overwhelming, but it doesn’t have to be. Musty-Barnhart offers local, personalized support for those exploring Medicare Part D RX and Medicare Cost Plans in Lake City, MN.
We’ll help you compare plans from multiple carriers to find the right balance of coverage and cost, taking into account your prescriptions, preferred providers, and budget. Whether you’re new to Medicare or reviewing your annual options, we’re here with friendly, informed advice—no pressure, no confusion.
Why Choose Musty-Barnhart for Insurance in Lake City, MN?
- Local Knowledge, Personalized Service: Our agents live and work in your community.
- Independent Advantage: We work with top-rated insurance companies, not just one.
- 24/7 Agent Access: When you need help, you’ll talk to a real local agent, not a call center.
- Community Commitment: As members of the Lake City Chamber of Commerce, we believe in giving back.
- Experienced Team: Owners Bob Kubes and Dee Whipple lead a knowledgeable and caring staff dedicated to your satisfaction.
Get Started With Musty-Barnhart Today
When it comes to insurance in Lake City, MN, choose the agency that’s trusted by your neighbors and rooted in your community. Contact Musty-Barnhart today at 651-345-2300 or online to request a quote and schedule an appointment. We’re here to help protect what matters most—so you can keep building the life you want.
