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Harmony Insurance Group
Harmony Insurance Group
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    Harmony Insurance Group

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    About Us

    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, and an Austin branch was later opened in 2013.


    Our staff not only works here but they also live here. Each one of them shares the same small town values and is invested in the community.


    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.

    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 provide coverage for business and families in the larger communities and 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


    We can access many different insurance products so we can get the right one for you.

    Our Team

    Jim Lutes

    Jim is the owner of Harmony Insurance Group. He began his career in insurance 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 maintaing the same small town values.

    Katie Brincks

    Katie started her insurance career here at Harmony Insurance Group in May 2017. She grew up in the area and enjoys working in the community. Katie will greet you with a smile and a friendly "hello" and is more than happy to help with any questions or requests you may have.

    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 has always been very involved in the community. She handles all the crop insurance along with home, auto, and farm insurance.

    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

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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

    Hours

    Monday - Friday: 8 AM - 5 PM

    Saturday: By Appointment

    Sunday: Closed