Rice Lake's Independent Insurance Advisor — Covering Barron County and Beyond

We work with homeowners, drivers, boat owners, and small business owners throughout Rice Lake and Barron County who want real guidance on their coverage — not a pitch from someone locked into one company's products. As an independent insurance agency, we compare options across multiple carriers and walk you through what you're actually buying before you commit to anything.

17+ Years in Insurance

Local Eau Claire Office

Independent Agency

Licensed in WI, MN, MI, AZ & IA

PIA Wisconsin Member

Why Rice Lake Residents Work With an Independent Agent

There's a real difference between an advisor who represents one company and one who represents you. At Barnett Insurance Agency, we're not tied to a single carrier. That means when we build your comparative summary, we're pulling from a range of options to find coverage that fits your life — your home on the lake, your vehicles, your boat, your business — not whatever fits a quota.

 

Dustin Barnett has 17 years in insurance, including time running a multi-location captive agency before going independent. That background means he knows exactly how the industry works — and where clients tend to get underserved. His approach is straightforward: have the honest conversations other advisors skip, including the ones about claims history, deductibles, and whether your current coverage would actually hold up when you need it.

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Modern waterfront park with white sculpture, green lawns, and city skyline at sunset

Personal and Business Insurance for Barron County

Whether you're insuring a primary residence, a cabin on one of Rice Lake's many lakes, a recreational vehicle, or a small business, we have coverage options built for the way people actually live and work in this part of Wisconsin.

 

Personal insurance options we offer:

 

 

Business insurance options we offer:

 

Boat and Watercraft Coverage in a Town Built Around the Water

Barnett Insurance Agency is based in Eau Claire and licensed throughout Wisconsin, which means we serve clients across Barron County and the broader region — remotely when it makes sense, in person when it doesn't. If you're in Rice Lake, Cameron, Cumberland, Barron, or anywhere in between, we can work together.

 

We also serve clients throughout western and central Wisconsin. If you're looking for an independent insurance agent near Rice Lake, Wisconsin, you don't need to drive to a big city to get a thorough, carrier-agnostic review of your coverage.

Serving Rice Lake and the Surrounding Barron County Area

Barnett Insurance Agency is based in Eau Claire and licensed throughout Wisconsin, which means we serve clients across Barron County and the broader region — remotely when it makes sense, in person when it doesn't. If you're in Rice Lake, Cameron, Cumberland, Barron, or anywhere in between, we can work together.

 

We also serve clients throughout western and central Wisconsin. If you're looking for an independent insurance agent near Rice Lake, Wisconsin, you don't need to drive to a big city to get a thorough, carrier-agnostic review of your coverage.

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Common Questions About Insurance in Rice Lake, WI

  • What does an independent insurance agent in Rice Lake do differently than a captive agent?
    A captive agent represents one insurance company and can only offer that company's products. An independent agent like Barnett Insurance works with multiple carriers, which means we can compare options and find coverage that actually fits your situation — rather than fitting your situation to whatever one company offers.
  • Do I need separate boat insurance if I already have homeowners insurance in Wisconsin?
    Most homeowners policies provide very limited coverage for watercraft — often only for small, low-horsepower boats at low liability limits. If you own a motorized boat in Rice Lake or anywhere in Barron County, a standalone boat insurance policy is almost always the right move. We'll show you exactly what your current coverage does and doesn't include.
  • Can I bundle home and auto insurance in Rice Lake, WI?
    Yes, and bundling is one of the most common ways to reduce your overall premium without reducing your coverage. We'll compare bundled options across carriers and show you what the combined coverage looks like before you make any decisions.
  • Who is the best insurance advisor in Rice Lake, WI?
    That depends on what you're looking for. If you want someone who will compare options across multiple carriers, walk you through coverage line by line, and give you a straight answer — including the uncomfortable ones — Barnett Insurance Agency is worth a conversation. We've been in this industry for 17 years and built our client base almost entirely on referrals.
  • Does Barnett Insurance Agency serve all of Barron County?
    Yes. We work with clients throughout Barron County, including Rice Lake, Barron, Cumberland, Cameron, and surrounding communities. We're licensed statewide in Wisconsin and can work remotely with clients anywhere in the state.
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Ready to Review Your Coverage?

If your current policy is something you set up years ago and haven't looked at since, it's worth a conversation. Coverage needs change — and so do the carriers worth working with. We'll put together a comparative summary, walk you through your options, and give you an honest read on where you stand.