You Keep Building the life you want and we will protect it.
Let's Talk About Your Future
A Local Insurance Agency You Can Trust
Musty-Barnhart Agency Inc has four convenient locations in Red Wing, MN; Lake City, MN; Lutsen, MN; and Ellsworth, WI.
We can provide you and your family with quality insurance for your personal, business, life, and health insurance needs.
Regardless of the coverage you need, we take protecting you, your family, and your passion for your business seriously. We can provide you with the expertise and customer service you expect, with the products you need, right within your local community.
When you call, talk to a real person and have 24/7 direct access to a local agent to help you.

Giving You Choices
Some insurance agencies are affiliated with just one company, and if you need auto, home, business, health, life, or long-term care insurance, they can only offer you that one choice. We give you options.
As an independent, full-service agency we work with a variety of top-rated, insurance companies. We will sit down with you and review your unique situation. You will never find a one-size-fits-all insurance policy at Musty-Barnhart Agency.
Your Neighbors and Friends
Owners Bob Kubes and Dee Whipple, along with their staff, take great pride in being involved in the communities. We understand that the privilege of doing business in the communities where we live and work brings with it a greater responsibility…to give something back.
We are members of the Ellsworth, Red Wing Area, Cook County, and Lake City Chambers of Commerce.
Real People, Real Help, Anytime You Need It.
At MBA, your peace of mind is our priority. That’s why we’re here for you 24/7—with a real person ready to answer your call and show up when it matters most.
- Always Available: When you call us, you’ll never reach a machine or an endless phone tree. A friendly, knowledgeable team member will always be there to assist you, day or night.
- On-Site Support: Whether it’s a home emergency, an issue with your business, or support for your loved ones, we’ll be there. Around the clock, we’re ready to help in person when needed.
- Commitment to You: We don’t just provide insurance; we provide assurance. You can count on us to stand by you every step of the way.
Have questions? Need assistance now? Call us anytime at 651-388-7128 We’re here for you, 24/7.