Personal Insurance for Everyone

Whether it be home, auto, life, or health Dwight Swanstrom has got you covered.

Independent Insurance Agency

As an independent Insurance Agency we represent not only one, but many insurance companies. This allows us to customize your policy to best fit your insurance needs and provide quality service at a level Do-It-Yourselfers are unable to obtain. Agency Customers typically save 10% over dealing directly with an insurance company. Dwight Swanstrom does what’s best for you - not what’s best for the insurance company.

Broad Protection provides for direct physical loss coverage to your home, while protecting your personal property against perils such as fire or lightning; windstorm or hail; vandalism or theft; and weight of ice, snow or sleet, to name a few.

A Few of The things we Cover

  • Commercial Packages
  • Personal Liability
  • Medical Payments to Others
  • Condominium Owners
  • Personal Property
  • In-Home Business
  • Other Structures
  • Additional Living Expenses
  • Much More

Accidents happen and we know that. Insuring with a local agency puts real people one call away to help with claims, billing, and rates.

A Few of The things we Cover

  • Bodily Injury and Property Damage
  • Under insured Motorist
  • Loan/Lease Gap Coverage
  • Basic Personal Injury Protection
  • Comprehensive Coverage
  • Uninsured Motorist
  • Collision Coverage
  • Even more

Dwight Swanstrom offers insurance to meet all your needs. We can offer you life insurance to protect your loved ones, and umbrella insurance to cover all your needs and save you money.

A Few of The things we Cover

  • Recreational Vehicles
  • Life Insurance
  • Boat Insurance
  • Personal Umbrella Insurance
  • Motorcycle
  • Ask About More - If you don’t see what you need here, give us a call. We will most likely be able to help you.

A few of the companies we represent

Meet Our Personal Insurance Specialists

Charlene Zervas

Charlene Zervas

Personal Agent

Charlene has been in the insurance business for 39 years. She is the Previous owner of Spirit Valley Agency. She is married with a son, stepdaughter, and a granddaughter who she enjoys spending time with .

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Darlene Lonke

Darlene Lonke

Personal Agent

25 years between Dwight and Spirit Valley. Like to golf and be with grand kids.

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Tony Bauer

Tony Bauer

Commercial/Personal Lines

Tony started with Agency in 1978. Life long resident of Duluth/Superior enjoy it outdoor life style part member of the Minnesota independent insurance agents of Minnesota board of directors. Graduated with a degree in Economics from UMD in 1979. Served as a licensed insurance agent and real estate broker.

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Lori Bergstedt

Lori Bergstedt

Personal Agent

Lori has been with the agency for 30 years. She is married and has two daughters. She loves to sing and dance.

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