Auto Insurance in Wayzata, Minnesota

Mission Statement

To provide Wayzata quality Health Insurance Agency assistance as a Auto Insurance, Home Insurance, Life Insurance and Boat Insurance.

Allstate Insurance Agent: Jim Harper meeting your Health Insurance Agency needs since .

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As a Personal Financial Representative living in Wayzata for 32 years with my wife, Charlene, and two grown daughters, I know many local families. My knowledge and understanding of the people in this community help me provide over 1000 very happy customers with an outstanding level of service. I look forward to helping families like yours protect the things that are important – your family, home, car and more. I’m also here to help you prepare a strategy to achieve your financial goals.

I’m proud to offer Allstate products, because they stand by their service. As an Allstate customer, when you’re in need, you can take advantage of a variety of repair options for a damaged home or auto. From selecting a repair shop, to workmanship warranties – it just makes sense to work with Allstate.

As a small business owner, I understand the importance of building a solid foundation for the future and developing long-lasting customer relationships. That’s why I’m committed to offering you the same level of service I’d expect from my own business dealings. When you leave my office, I hope you’ll feel confident, informed and satisfied in your choices. The way you should feel.

Key Contacts

Jim Harper

Agency Owner

Chris Zwilling

Agency Manager

Brian Sugrue

Agency Guru

Mayhem

I Will Mess You Up. You Need Protection From Me. Talk To Jim Or Chris Or Brian.

1) Our Agency Provides Insurance For Customers Throughout Minnesota, Wisconsin, And Iowa

Insurance is unlike any other product out there - you pay for it and hope you never have to use it. And that makes paying more than you need to that much more uncomfortable.

With a policy from Allstate, you can help keep your insurance costs low with the wide variety of discounts we offer. Keep in mind, not all discounts are available in every state. The best way to get all that you qualify for is to get an insurance quote specific to Wayzata.

You can get a rough "ballpark" insurance quote from many companies online, but talking with an agent allows you to ask questions and get a quote for coverage that matters most to you. As an Allstate agent, I can prepare a quote that details the coverage, deductibles (your portion of a loss) and cost (premium) of your insurance policy.

2) Types Of Insurance That Our Agency Offers

•Auto Insurance
•Car Insurance
•Flood Insurance
•Life Insurance
•Motorcycle Insurance
•Boat Insurance
•Snowmobile Insurance
•4 Wheeler ATV Insurance
•Home Insurance
•Business Insurance
•College Savings Plan

And more...

3) Let Us Help You Protect Your Family With Life Insurance

You know life insurance is a great way to help protect your loved ones, but do you know what kind of life insurance might be best for you? If you're looking for life-long protection, predictable costs and a savings vehicle, whole life insurance might be a good fit. Take a look at this overview to see if it's something that interests you. I'd be happy to tell you more about whole life insurance and help you decide if it's the right choice for you.

4) Let Us Help You Protect Your Cars With Auto Insurance

What Does Collision Insurance Cover?

Collision insurance helps pay to repair or replace your vehicle if it's damaged from:
•A collision with another vehicle
•A collision with an object, such as a fence or tree
•A single-car accident that involves rolling or falling over

What Is Not Covered by Collision Insurance?

Collision insurance does not cover:
•Damage to your vehicle not related to driving (examples: hail or theft)
•Damage to another person's vehicle
•Medical bills (yours or another person's)

Does Car Insurance Cover …

Hail damage? Typically, the answer is yes, if you have comprehensive coverage. Comprehensive coverage may help pay to repair dents in your car, broken windshields and even interior water damage caused by hail.

Pothole damage? Generally, collision coverage may help pay for damage to your vehicle caused by hitting a pothole, but car insurance policies typically do not cover normal wear and tear to tires due to potholes.

Windshield damage? Your insurance may be able to help if you have comprehensive or full glass coverage. These coverages may help pay for the costs of repairing or replacing your windshield.

Tree damage? If you have comprehensive coverage, insurance may help pay to repair or replace your vehicle, as long the damage doesn't exceed your car's worth.

Hitting a deer? Typically, damage to your vehicle after hitting a deer is considered a covered loss under comprehensive coverage.

Squirrel damage? If a squirrel chews on your car's wiring, comprehensive coverage may help pay for repairs.

A hit-and-run? Auto insurance may help protect you if you've been hurt or your car has been damaged in a hit-and-run. Collision coverage may help pay for car repairs after a hit-and-run. Uninsured and underinsured motorist coverage and medical payments coverage may help cover your medical bills after a hit-and-run.

Catalytic converter theft? Typically, comprehensive coverage may help cover the theft of car parts.

A stolen car? Comprehensive coverage typically helps cover losses such as theft. In the event your car is stolen, call the police and file a report, notify your insurance company after you've filed the report and if your car is leased or financed you should notify the lender.

A friend wrecking my car? If your friend was involved in a wreck while driving your car, typically your insurance policy (not his) would likely be tapped to pay for damage or injury costs resulting from the accident. However, the way this plays out depends on the specific coverages and limits of your insurance policy.

Keep in mind that the coverage you may receive will depend on the type of auto policy you have. In the event of an accident, note that you may be required to pay a deductible in order for your coverage to fully kick in.

If you're unsure what your car insurance policy covers, or what types of protection you may need, talk to your local agent. That way you can be prepared for future plans as well as accidents or damage.

5) Let Us Help You Protect Your Home With Homeowners Insurance

Dwelling Protection

One thing to consider about homeownership is the knowledge that your house could be damaged at any given time, under a variety of different circumstances. One of the basic coverages of a homeowners insurance policy is dwelling protection, which helps cover the structure of the home in which you live, as well as other structures that are attached to it, such as a garage or a deck, against certain risks.

Other Structures Protection

Most homeowners insurance policies also include coverage for other structures that are on your property but separate from your home, like a detached garage, tool shed or fence.

Personal Property Protection

Homeowners insurance policies can be different, as they are catered to the individual homeowner based on their own unique needs. You'll typically find, though, that homeowners insurance helps cover:

•Your dwelling
•Other structures on your property
•Personal property
•Liability

Homeowners insurance coverage doesn't just help cover damage to your home. It may also provide coverage for the personal belongings you keep within it. Suppose your electronics are stolen from your home or your furniture is damaged by a fire. Personal property protection may help pay to repair or replace your belongings if they are damaged or destroyed by a covered risk.

Service Locations

Auto Insurance Wayzata  -  Home Insurance Wayzata  -  Life Insurance Wayzata
Boat Insurance Wayzata  -  Motorcycle Insurance Wayzata  -  Renters Insurance Wayzata

Citations

Allstate Insurance Agent: Jim Harper Photo Gallery
Updated as of 5/11/2024

Contact Information

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