Licensed in Wisconsin, Minnesota,

Michigan, Arizona, and Iowa.

Your Insurance Advisor, Not Just Another Agent

Insurance can be genuinely complicated — confusing policies, fine print that matters, and decisions that are hard to make without someone in your corner. As an independent insurance agency, we help you understand your options, compare coverage from multiple carriers, and make the process a whole lot less overwhelming.

17+ Years in Insurance

Independent Agency Model

Licensed in WI, MN, MI, AZ, IA

PIA Wisconsin Member

Comparative Summaries, Not Raw Quotes

Think of Us as Your Guide Through the Insurance Process

Most people choose a policy the same way they choose a wifi plan — find the lowest number, click accept, and hope it holds up. The problem is that insurance isn't just about the number. Coverage limits, deductibles, exclusions, and the way a policy responds when something actually happens all matter.


At Barnett Insurance Agency, we take a different approach. Before we recommend anything, we take the time to understand your situation — in person or remotely. We compare options from multiple carriers, build a plain-language summary of what you're looking at, and walk you through the differences until they make sense.


The goal isn't to hand you the cheapest quote and move on. It's to help you understand what your coverage does, where potential gaps may exist, and why one option may make more sense for you than another.

Coverage Guidance for Every Part of Your Life

Whether you're protecting your household, your vehicles and recreational toys, or a small business, we help you understand your insurance options and find coverage that fits the way you actually live and work.

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Personal Insurance

  • Home

  • Renters

  • Landlord

  • Vacation / Secondary  Home

  • Flood

  • Auto

  • Motorcycle

  • Boat

  • ATV

  • RV

  • Travel Trailer

  • Classic Car

  • Life

  • Final Expense

  • Indexed Universal Life

  • Umbrella
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Business Insurance

  • Business Owners Policy

  • Workers Compensation

  • Commercial Auto

  • General Liability

  • Insurance Bonds

  • Rental Property Insurance

17+ Years in the Industry — On Your Side of the Table

Dustin Barnett has spent more than 17 years in the insurance industry, including years operating a multi-location captive agency before making the move to the independent model.


That experience gives him perspective from both sides of the insurance process. He understands how carriers evaluate risk, what underwriters may look for, and which details can make a meaningful difference when putting coverage together.


Today, the independent model gives Barnett Insurance Agency the ability to evaluate options from multiple carriers rather than being limited to a single insurance company.


As a member of PIA Wisconsin and a family-owned agency, Barnett Insurance Agency is built around personal guidance, straightforward conversations, and long-term relationships. Instead of treating insurance as a one-time transaction, we want you to have someone you can call when life, property, vehicles, or business needs change.

Barnett Insurance Agency logo with umbrella icon and large BA initials
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What Sets an Independent Insurance Advisor Apart

Here's the straightforward version of how we work — and why having options matters.

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Step 1: Your Options Aren't Limited to One Carrier


A captive agent generally represents one insurance company. As an independent insurance agency, we're able to work with multiple carriers and compare available options based on your situation, coverage needs, and priorities.


That gives us more room to look for a fit instead of starting with one company's product and working backward.

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Step 2: You Get a Comparative Summary, Not Just a Number


We don't believe a premium by itself tells you enough.


We break down the options we're considering in plain language so you can compare coverage, deductibles, limits, and other meaningful differences side by side. You can see what you're paying for and make a decision with more context.

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Step 3: We Have the Conversations Other Advisors May Skip


Deductibles, claims history, coverage limits, potential gaps, and real-world risk aren't always the easiest things to talk about — but they're often the things that matter most.


We'll talk through those details before you commit to anything, including situations where filing a small claim may not necessarily be the best long-term decision.

Step 4: You Work Directly With Dustin


Barnett Insurance Agency isn't built around a rotating call-center experience.


You work directly with Dustin — the same advisor who gets to know your situation, helps set up your coverage, and can help when your needs change or questions come up down the road.

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Trusted by Clients Who Expect More

Questions People Ask Before Working With Us

  • What does an independent insurance agency do?

    An independent insurance agency can work with multiple insurance carriers instead of being limited to one company. At Barnett Insurance Agency, we use that flexibility to compare available options, explain the meaningful differences, and help you choose coverage based on your actual situation. Think of it as having a guide who can help you look at more than one path before you decide which direction makes sense.

  • How is working with an independent advisor different from going directly to an insurance carrier?

    When you go directly to a carrier, you're reviewing the products available from that particular company. An independent advisor can look at options from multiple carriers and help you compare them. With Barnett, that also means getting a plain-language walkthrough of coverage, deductibles, limits, and tradeoffs — not simply receiving a premium and being left to interpret the policy yourself.

  • What states does Barnett Insurance Agency serve?

    Barnett Insurance Agency is licensed in Wisconsin, Minnesota, and Arizona. We serve clients from our Eau Claire office and remotely across all three states. That includes communities throughout Wisconsin, the Twin Cities area near Woodbury, Minnesota, and the Phoenix metro area near Chandler, Arizona.

  • What types of insurance does Barnett offer?

    We help with a broad range of personal and business insurance needs. Personal coverage includes home, auto, renters, landlord, vacation home, flood, life, umbrella, motorcycle, boat, ATV, RV, travel trailer, and classic car insurance. Business coverage includes business owners policies, workers compensation, commercial auto, general liability, insurance bonds, and rental property insurance. Where multiple carrier options are available, we'll help you compare them and understand the differences before making a recommendation.

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Ready to Find Out Where You Actually Stand?

If you've been wondering whether your coverage is doing what you think it is, there's a pretty easy way to find out.

Give us a call or schedule a guidance conversation. We'll learn what you currently have, talk through what matters to you, review available options, and give you a straightforward explanation of what we see.


No pressure to chase a quote. Just a clearer picture of your insurance and what your next step could look like.