Who We Are

Founded in 2003, we are a local independent insurance agency located in Bemidji, Minnesota.  We represent a number of insurance companies, and use this access to multiple insurance companies to help our clients find the best value.  We work with clients on a one-on-basis, with a focus on helping clients understand their coverage so they can make educated decisions regarding their insurance options.

Also active in the community and our profession, we are a member of the Bemidji Area Chamber of Commerce, the Bemidji Downtown Alliance, Minnesota Independent Insurance Agents and Brokers, Trusted Choice and the National Federation of Independent Business.  We also sponsor of First City of Lights, Bemidji Youth Baseball, Loop the Lake Festival, and the local chapters of Habitat for Humanity and the Boy Scouts.

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What We Offer

We specialize in discounted Home & Auto bundles.  Beyond basic Auto and Homeowners or Renters insurance, we offer insurance for all your toys (boats, snowmobiles, campers, motorcycles, ATVs, etc.) and Personal Umbrella policies.  Learn more about our Home & Auto insurance.

In addition, we represent all providers of individual major medical insurance in the greater Bemidji region; so we are also well equipped to help you with health insurance for you and your family. In addition, we offer plans that work with Medicare.  More about Health insurance.


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Meet Our Staff

• Ken
• Tracey

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Ken Cobb, CIC

Owner - Agent
Minnesota License 20297547
ken@pinecountryinsurance.com

Over 15 years of insurance industry experience.  Earned Certified Insurance Counselor (CIC) designation in 2009.  Proud member of Rotary, Sertoma, BNI. Licensed for Property, Casualty, Life and Health insurance.

Tracey Barnum

Service agent
Minnesota License 40472654
tracey@pinecountryinsurance.com

Tracey provides service and support to our new and existing clients. Licensed for Property and Casualty insurance.

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Contact Us

Phone  218.444.9360
​Fax  218.444.4729
Email  mail@pinecountryinsurance.com
Secure Message  Message us now >
Address:  507 Beltrami Ave NW;
                Bemidji, MN 56601

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Our Pledge

As your local Trusted Choice® agency, our access to multiple companies and commitment to quality service enable us to offer our clients competitive pricing, a broad choice of products and unparalleled advocacy. We are dedicated to you and are committed to treating you as a person, not a policy. This commitment means we shall:

• Work with you to identify the insurance that is right for you and your family and use our access to multiple companies to deliver those products.

• Guide you through the claims process for a prompt and fair resolution of your claim.

Continue reading our pledge >

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State Licensing

We are licensed as an insurance agency in the state of Minnesota only.  Lines of authority vary by staff member.  Minnesota agency license number 40159035.