Home Insurance
Homeowners Insurance
There's no place like your home, so let's make sure it is well protected.
Protect your home inside and out with one of our homeowners insurance policies. With our agency you will have access to a dedicated insurance agent and team that can help you understand what your policy covers, and we will also answer any questions that you have.
Your home is one of the biggest investments you will ever make, so let's protect your investment!

What your home homeowners insurance policy will cover

You can help protect your home's physical structure, your belongings, and even your family with home insurance. Most home insurance policies include standard coverages like:

Dwelling (physical house structure)
This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.

Other structures
This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a pool, shed, gazebo, fence, or a stand-alone building or garage.

Personal property (contents within your house)
Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.

Liability protection
Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.

Guest medical protection
This type of coverage can help cover the cost of medical expenses for a person who's injured on your property.

Additional protection
Our standard homeowners policies include additional protection. One example of this is reimbursed living expenses coverage which can help cover the costs of living like your were before the incident happened - like in a rented home or apartment.

Optional home insurance protection for your home

Most home insurance policies don't include protection from flood and earthquake damage. If you're interested in safeguarding your home from flood damage think about purchasing a separate flood insurance policy. We can help.

You may also consider personal umbrella insurance for additional liability protection. This type of policy offers liability coverage beyond your current home and auto policy limits, so it can help protect your finances if you're sued over a covered loss.

Maximize savings on your home insurance
without minimizing protection

Not only is quality home insurance protection more affordable than you might think for homes, there are also many home insurance discounts available to help you save even more. One of our agents can help you start saving on home insurance with discounts like:

Multi-policy discount
When you have two or more of our insurance policies, you can save big. Insuring your home and cars with our agency can help you save up to 30%.

Automatic payments
Save up to 5% when you set up automatic payments from your checking or savings account.

Claim-free discount
Get up to a 20% discount when you switch and you don’t have a home insurance claim.

Early signing discount
When you sign up for a new policy for your home before your current policy expires, you could save up to 10% on your home insurance premium.

Home buyer discount
If you purchase a newly constructed home, you could save up to 10%. Recent home buyers may also qualify, so be sure to ask us about the discounts that are available to you.

Safe home discount
Save up to 15% when your home has additional protection against fire and theft, like a home security system.

Welcome discount
New customers can get up to 10% off their home insurance premium the first two years they are insured.

55 and retired discount
Over the age of 55 and retired? You could save up to 10% on your home insurance.

Call us today for a free
home homeowners insurance quote

(952) 473-2110

 If you like the numbers that we send you - you can start your new
home homeowners insurance policy over the phone. It's that simple!


MINNESOTA cities that the Jim Harper Insurance Agency serves:

Afton, Albert Lea, Andover, Annandale, Anoka, Anoka County, Apple Valley, Arden Hills, Austin, Bayport, Bethel, Blaine, Bloomington, Brainerd, Brooklyn Center, Brooklyn Park, Buffalo, Burnsville, Champlin, Chanhassen, Chaska, Cloquet, Columbia Heights, Coon Rapids, Corcoran, Cottage Grove, Cross Lake, Crystal, Dakota County, Dayton, Deephaven, Delano, Dellwood, Detroit Lakes, Duluth, Eagan, Eden Prairie, Edina, Elk River, Excelsior, Fairmont, Falcon Heights, Faribault, Farmington, Forest Lake, Fridley, Fergus Falls, Gem Lake, Golden Valley, Grand Rapids, Greenfield, Greenwood, Hamel, Hastings, Hennepin County, Hibbing, Highland Park, Hopkins, Independence, Inver Grove Heights, Lake Elmo, Lakeland, Lakeville, Lauderdale, Lexington, Lilydale, Lino Lakes, Little Canada, Long Lake, Loretto, Mahnomen, Mahtomedi, Mankato, Maple Grove, Maple Lake, Maple Plain, Maplewood, Mayer, Medina, Mendota Heights, Minneapolis, Minnetonka, Minnetonka Beach, Minnetrista, Monticello, Mound, Mounds View, Navarre, New Brighton, New Hope, Newport, North Mankato, North Oaks, North St. Paul, Norwood, Oakdale, Orono, Plymouth, Prior Lake, Ramsey, Ramsey County, Richfield, Robbinsdale, Rochester, Rockford, Rogers, Rosemount, Roseville, Savage, Shakopee, Shoreview, Shorewood, South St. Paul, Spring Lake Park, Spring Park, St. Anthony, St. Bonifacius, St. Cloud, St. Croix, St. James, St. Louis Park, St. Michael, St. Paul Park, Stillwater, Tonka Bay, Vadnais Heights, Victoria, Waconia, Washington County, Watertown, Wayzata, West St. Paul, White Bear Lake, Woodbury, Worthington, Wyoming, Young America, Zimmerman.

WISCONSIN cities that the Jim Harper Insurance Agency serves:

Allouez, Appleton, Ashwaubenon, Baraboo, Beaver Dam, Bellevue, Beloit, Brookfield, Brown Deer, Burlington, Caledonia, Cedarburg, Chippewa Falls, Cudahy, De Pere, Eau Claire, Fitchburg, Fond du Lac, Fort Atkinson, Franklin, Germantown, Glendale, Grafton, Grand Chute, Green Bay, Greendale, Greenfield, Hartford, Howard, Hudson, Janesville, Kaukauna, Kenosha, La Crosse, Little Chute, Madison, Manitowoc, Marinette, Marshfield, Menasha, Menomonee Falls, Menomonie, Mequon, Merrill, Middleton, Milwaukee, Monroe, Mount Pleasant, Muskego, Neenah, New Berlin, Oak Creek, Oconomowoc, Onalaska, Oshkosh, Pewaukee, Platteville, Pleasant Prairie, Plover, Port Washington, Racine, Richfield, River Falls, Sheboygan, Shorewood, South Milwaukee, Stevens Point, Stoughton, Suamico, Sun Prairie, Superior, Two Rivers, Watertown, Waukesha, Waunakee, Waupun, Wausau, Wauwatosa, West Allis, West Bend, Weston, Whitefish Bay, Whitewater, Wisconsin Rapids.

IOWA cities that the Jim Harper Insurance Agency serves:
Altoona, Ames, Ankeny, Atlantic, Bettendorf, Boone, Burlington, Carroll, Cedar Falls, Cedar Rapids, Charles City, Clear Lake, Clinton, Clive, Coralville, Council Bluffs, Creston, Davenport, Decorah, Denison, Des Moines, Dubuque, Estherville, Fairfield, Fort Dodge, Fort Madison, Grinnell, Hiawatha, Independence, Indianola, Iowa City, Johnston, Keokuk, Knoxville, Le Mars, Maquoketa, Marion, Marshalltown, Mason City, Mount Pleasant, Muscatine, Nevada, Newton, Norwalk, Oelwein, Oskaloosa, Ottumwa, Pella, Perry, Red Oak, Sioux Center, Sioux City, Spencer, Storm Lake, Urbandale, Washington, Waterloo, Waverly, Webster City, West Des Moines.

Our insurance agents
- Chris Zwilling, insurance agent
- Charlene Harper, insurance agent
- Jim Harper, insurance agent and agency owner
Minnesota Auto Insurance
Wisconsin Auto Insurance
Iowa Auto Insurance
Minnesota Home Insurance
Wisconsin Home Insurance
Iowa Home Insurance
Auto Insurance Minnesota
Auto Insurance Wisconsin
Auto Insurance Iowa
Home Insurance Minnesota
Home Insurance Wisconsin
Home Insurance Iowa
Wayzata Home Insurance and Wayzata Auto Insurance.
Plymouth Home Insurance and Plymouth Auto Insurance.
Minnetonka Home Insurance and Minnetonka Auto Insurance.
Minneapolis Home Insurance and Minneapolis Auto Insurance.