Our History

The Harmony Insurance Group has been located in Harmony, MN since it opened in the early 1900's, originally as Harmony State Agency. In 2011, a branch was opened in Rochester followed by an Austin branch in 2013.

Our staff not only works here, but we also live here. Each one of us share the same small town values, and we are invested in the community.

Insurance of All Kinds

We represent quality carriers in order to provide you with the best coverage value in exchange for the premium you pay. You will always be supported by a dedicated staff who cares about you, your family, your business, and your employees.

We know the area, and we provide coverage for businesses & families in the larger communities as well as the rural areas that make up southeast Minnesota.

What We Offer

We have years of insurance experience helping clients prepare for the unknown. Ask us about:

  • Auto
  • Home
  • Life
  • Business
  • Farm

Everyone has different insurance needs. Call us today for a personalized business or individual assessment and find out how we can help protect your assets  

Our Team

Jim Lutes


Jim is the owner of Harmony Insurance Group. He began his insurance career in June 1996 as a captive insurance agent with American Family Insurance. In November of 2000, he joined the Harmony State Agency team. Jim purchased the agency which became Harmony Insurance Group in March of 2011. Since then, Jim has expanded the business while still maintaining the same small town values.

Bobbi Brossard


Bobbi and her husband recently moved to Harmony from Washington state. She'd love for you to come in and say "hello"! Her insurance experience began in 2002 with life insurance, and then she expanded into all forms of insurance in 2008. 

Deb Ristau


Deb began her insurance career in March 2016 at Harmony Insurance Group. Deb has lived in the Preston area her whole life, and she has always been very involved in the community. She handles all the crop insurance along with home, auto, and farm insurance.

Shannon Apel


Shannon, her husband Chad, and their 4 children have lived in Kasson for almost 5 years. Their 4 kiddos are very active in many sports and keep them incredibly busy year-round. Shannon was a Stay-at-Home-Mom for 10 years before joining Harmony Insurance Group in 2018. She is licensed in Property and Casualty; stop by our Rochester office to see what she can do for you!

Matt Lutes


Matt is our summer intern. He graduated from Fillmore Central in 2018; and he is currently attending the University of Minnesota Duluth, majoring in Business Finance with an interest in financial planning. 

Elizabeth Swan


Elizabeth's bio coming SOON

Master the art of living confidently!

 Living confidently empowers you to learn more about financial concepts, take ownership of your decision-making, and prepare for the future. We seek to be your go-to educational resource for the tools you need to achieve a state of financial and emotional well-being. 


Contact Us

How Can We Help You?

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Contact Us for a Free Quote

Harmony Insurance Group

103 N Main Ave, PO Box 357, Harmony, MN 55939, US

(507) 886-2100


Monday - Friday: 8:30 AM - 5 PM

Saturday: By Appointment

Sunday: Closed