About Hughes, Brennan & Wirtz Insurance, Inc: Auto Insurance, Home Insurance, Farm Insurance, and more.

Since 1928, Hughes Brennan & Wirtz Insurance has been protecting what matters most to our clients throughout Emmetsburg, and the surrounding areas, and all of Iowa.  From homes and cars to farms and businesses, our team carefully listens to you so we can deliver smart risk management solutions that actually focus on meeting your needs.  When you spend nearly a century providing a service, you learn that nothing equals the importance of satisfying your customer.  It’s the smart way to do business.  It’s the way we do business at Hughes, Brennan & Wirtz Insurance, Inc.


Our History

In 1928, Hughes Brennan & Wirtz, Inc., a full-line insurance agency, was founded by J.G. Fogarty in Mallard, Iowa. The agency was founded to service the growing need for auto insurance in Palo Alto County.

In 1954, after 26 successful years of business, the agency was purchased by Clifford Hughes,

In 1962, Clifford Hughes moved the agency to Emmetsburg.

In 1965, growth and perpetuation resulted in Jim Wirtz joining the agency as a life and health producer, subsequently becoming a full-line licensed agent.

In 1966, HBW merged with the Bill Brennan Agency and further expanded its ability to service the area.

In 1973, the Beryl Rupp agency was purchased, and a substantial book of property casualty business was merged in the HBW agency.

In 1978, Phillip Andreasen, a graduate of the University of Iowa, joined the agency, bringing with him six years of broad insurance background from the St. Paul and INA insurance companies.

In 1999, Scott Wirtz, a graduate of the University of Northern Iowa, joined the agency with five years of experience from Allied Insurance in Iowa and Minnesota. Scott then became a full-lined licensed agent.

The Benefits of an Independent Agency

As an Independent Insurance Agency, Hughes Brennan & Wirtz, Inc. truly puts the focus on your needs.  By maintaining a network of top-rated insurance companies, we’re able to deliver a variety of options to address virtually all of your risk management needs.

A ‘captive’ agency represents one insurance company, severely limiting your options.  Should your needs change and your company doesn’t offer the particular product you need, your only option is to switch agencies.  Should rates increase, you have to switch agencies to find a more competitive rate.

Hughes Brennan & Wirtz has spent years developing relationships with the most respected regional and national insurance companies who specialize in a wide variety of risk management solutions.  If your needs change, we find exactly what you need…and you maintain your relationship with your agent.

We save you time AND money

Some insurance carriers are more competitive when insuring certain risks.  Others specialize in one specific area.  Many offer discounts for carrying multiple policies with their company.  At Hughes Brennan & Wirtz, we’ve done the work so you don’t have to.  We make sure you’re matched with a company that not only meets your individual insurance needs but also offers the discounts for which you qualify.  Affordable protection with no hassles: welcome to Hughes Brennan & Wirtz, Inc.

Trust Hughes Brennan & Wirtz for all your Insurance needs!

We are active Members in the Community

Some of our community and business involvements:

  • Two Chamber of Commerce Presidents
  • Education Foundation President
  • Church Board President
  • Two Country Club Presidents
  • Member of County Conservation Foundation Board
  • Former Iowa House of Representatives Member
  • Former President of Iowa Independent Insurance Agents
  • H “Red” Nelsen Insurance Agent of the Year Award
  • Current Board Member of Iowa Independent Insurance Agents
  • Technical, Young Agent and Government Affairs Committee Members of the IIA
  • United Security Life President’s Club Member
  • National Traveler’s Life President’s Club Member

These are just a few of the activities that help the agency remain premiere in the area.

Hughes Brennan & Wirtz continues to bring good service to the clients in our community, as well as an active role in the insurance community.