About
Insurance Guidance That Feels Personal, Not Transactional
All Purpose Insurance Agency proudly serves families and businesses throughout Minnesota and Wisconsin with a personal approach rooted in trust, responsiveness, and long-term relationships. Based in Forest Lake, Minnesota, our agency focuses on helping clients feel informed, comfortable, and supported when making important coverage decisions.
From Our Family to Yours
Insurance is personal. People want to know they can reach someone who listens, explains things clearly, and genuinely cares about helping them protect what matters most. That belief has shaped the way All Purpose Insurance Agency serves clients every day.
With more than 75 years of combined insurance experience across three generations, our agency has built long-standing relationships throughout Forest Lake and surrounding Minnesota and Wisconsin communities. Many of our clients come to us through referrals from friends, family members, neighbors, and local business owners who value dependable service and thoughtful guidance.
The Best Compliment is a Referral … Thank You!
Rather than focusing on quick transactions or one-size-fits-all policies, we take the time to help clients understand their options clearly and choose coverage that fits their lives, businesses, and future goals.
Local Service with Regional Reach
Based in Forest Lake, Minnesota, All Purpose Insurance Agency proudly serves clients throughout Minnesota and Wisconsin, including nearby communities such as Maplewood, Stacy, White Bear Lake, Stillwater, and Hudson, Wisconsin.

Over the years, our agency has developed strong relationships across the region through community involvement, referrals, and personalized client service. While our office is located in Forest Lake, many clients continue working with us long after moving to nearby communities because they value having a local agency they know and trust.
John Cabrera
John brings over 30 years of experience in underwriting, sales, and agency leadership. He plays a vital role in expanding our community presence — especially within the Filipino-American community — and fosters strong relationships with partners and clients alike.
Senior Vice President, Sales & Marketing
Meet the Owners
Deann L. Williams
Owner / Agent
Deann brings a highly personal and relationship-focused approach to insurance guidance. She believes people deserve clear explanations, responsive communication, and coverage conversations that feel approachable rather than overwhelming. Her goal is to help clients feel comfortable asking questions and confident about the decisions they make for their homes, vehicles, businesses, and families.

Deann values long-term client relationships built on trust, consistency, and dependable service. Many clients continue returning to the agency because they appreciate having a real person available to help them navigate coverage changes and life transitions over time.
Kaye Henry
Owner / Agent
Kaye Henry has spent decades helping clients throughout Minnesota with thoughtful insurance guidance and community-centered service. Her experience and steady approach have helped shape the agency’s commitment to treating people with honesty, patience, and respect.
As a family-owned agency, Kaye believes insurance should feel personal and accessible rather than rushed or transactional. Her focus remains on helping clients feel supported and cared for throughout every stage of the insurance process.
Why Clients Choose All Purpose Insurance Agency
Family-Owned and Relationship-Driven
Clients appreciate working with a local agency that values long-term relationships, personal attention, and dependable communication.
Independent Agency Flexibility
As an independent insurance agency, we can help clients explore coverage options from multiple carriers based on their individual needs and priorities.
Clear and Personable Guidance
Insurance conversations should feel understandable and comfortable. We focus on helping clients feel informed without overwhelming them with unnecessary jargon.
Responsive Support
Whether clients need help reviewing policies, updating information, or asking questions, our team strives to remain accessible and responsive.
Built on Community Trust and Referrals
Many new clients come to us through referrals from existing customers who appreciate the way we approach service and relationships.
A More Personal Approach to Insurance
Many people feel frustrated by automated systems, rushed conversations, and agencies that feel disconnected from their actual needs. All Purpose Insurance Agency takes a different approach by focusing on communication, relationships, and personalized support that helps clients feel comfortable reaching out whenever questions come up.
Whether someone is reviewing coverage for a growing family, purchasing a new home, updating a business policy, or simply looking for a more responsive insurance experience, our team is here to help make the process feel easier and more approachable.
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Insurance Services
Insurance Solutions for Families and Businesses
All Purpose Insurance Agency helps clients throughout Minnesota and Wisconsin with a range of personal and business insurance solutions designed around real-life needs.
Personal Insurance Services Include:
Auto Insurance
Motorcycle Insurance
Boat Insurance
RV Insurance
Home Insurance
Renters Insurance
Life Insurance
Business Insurance Services Include:
General Liability Insurance
Commercial Auto Insurance
Commercial Property Insurance
Workers’ Compensation Insurance
Client Testimonials
What Our Clients Say
Ready to Work with a Local Agency That Feels More Personal?
From Forest Lake to surrounding Minnesota and Wisconsin communities, All Purpose Insurance Agency is proud to help individuals, families, and business owners protect what matters most with thoughtful coverage guidance and dependable service.
