(952) 473-2110(952) 473-2110
Toll Free
(800) 473-4121(800) 473-4121
(952) 473-0957(952) 473-0957
(952) 473-2107(952) 473-2107
1310 Wayzata Blvd EWayzata, MN 55391

Office Hours:

8:00 AM - 5:00 PM
8:00 AM - 5:00 PM
8:00 AM - 5:00 PM
8:00 AM - 5:00 PM
8:00 AM - 5:00 PM
9:00 AM - 12:00 PM
Available 24/7 at (952) 473-2110
Other Locations:

About Jim Harper - Wayzata Insurance Agent

  • Outdoor Activities
  • Power Sports
  • Spiritual
  • Technology
  • Water Sports
  • Writing

As a Personal Financial Representative living in Wayzata for 30 years with my wife, Charlene, and two children I know many local families. My knowledge and understanding of the people in this community help me provide over 1000+ 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 guarantees – 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, assured and satisfied in your choices. The way you should feel.

  • Graduate of University of Minnesota (Carlson School of Management)
  • University of Minnesota Continuing Education Degrees (Information Systems Analysis & Design, a
  • NASD Series 6 and 63 Securities License
  • Civic Services
  • Member, Wayzata Chamber of Commerce
  • Board Member, Nonprofit: I Was Made For a Mission Inc.
  • Industry Services
  • Author, book being distributed worldwide
  • Awards
  • Allstate Leader's Forum-5 years
  • Honor Ring-5 years
  • Best In Company - All Lines-2 years
  • Best In Company - Allstate Financial Asset Accumulation-2 years
  • Best In Company - Allstate Financial Protection-2 years
  • Best In Company - P & C Growth-2 years
  • Best In Company - Profitability-2 years
  • Community Services
  • Board Member, Nonprofit: I Was Made for a Mission Inc.
  • Interfaith Outreach and Community Partners
  • Leader of Guest Services Ministry at Local Church
  • 10+ Years of Service

Here to Help You

Connect With Us

Meet the Team

Jim Harper
Agency Owner - Personal Financial Representative
Agency Founder and Owner. Jim worked in Corporate America for over 25 years before deciding in 2005 to get his insurance licenses to help individuals and families with their insurance needs. Jim's desire is to help people stay focused on the big picture while helping them protect the things that they value - their family, home, cars, the recreational vehicles they own, possibly a business, and most importantly, their financial future. Jim and his wife Charlene have been married for 30 years and have two daughters, 28 and 28 years old.
Charlene Harper
Charlene spent over 20 years as a software analyst in several large organizations before deciding in 2005 to help husband Jim start this agency. Her desire is to help individuals and families prepare for the unexpected by teaching them how insurance can be an effective tool to significantly reduce the risk to families and their financial future. Charlene is licensed in most lines of insurance.
Rick Loosbrock
Before joining the Wayzata Harper Agency, Rick spent 8 years in the health insurance industry. Rick and his wife Cindy live in Long Lake and have 2 daughters and 1 son. Rick is passionate about helping individuals and families protect themselves and their loved ones while working together to build a financial future.
Chris Zwilling
Before joining the Jim Harper Insurance Agency, Christ spent 10 years as an operations manager focusing on customer retention and business growth. Chris and his wife Kelly live in Watertown with their son Kody and their two dogs. Chris is licensed in most lines of insurance - which means Chris can help with your property and casualty as well as life and health insurance needs.
Kyle Thomas
Personal Financial Representative
While our agency (in general) helps protect your “current” (i.e., your home, cars, RVs, and more), Kyle will help you protect your future. Whether its family protection, life changes (e.g., births, deaths, divorce, etc.), or retirement strategies, Kyle specializes in long term protection. So call us today to take advantage of this free service! Kyle lives in Rogers MN with his wife Gerilyn and two daughters.

Request An Appointment

Want to request an appointment for a call or visit? Use the calendar to pick the date you'd like to visit and then choose a time. While we can't guarantee agency availability, your request will route to the agency inbox and we'll do our best to accommodate your schedule.
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Your Insurance, On The Go

Scan your credit card to populate payment info within the app. Access policy information, keep a digital copy of your ID card and enjoy new roadside tools with the Allstate mobile app for iOS and Android.
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Protect What Matters Most

Whether it's your home, your family, your bike or your boat, see how Allstate can help protect the things that matter most to you in life.

Insurance Products & Services

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. At our Allstate agency, we can prepare a quote that details the coverage, deductibles (your portion of a loss) and cost (premium) of your insurance policy.

Products & services offered at our agency include:

  • Auto Insurance
  • Car Insurance
  • Flood Insurance
  • Insurance
  • Life Insurance
  • Motorcycle Insurance
  • Home Insurance
  • Insurance Quote
  • Insurance Agency
  • Business Insurance
  • Annuities
  • Retirement
  • College Savings Plan

Plan Your Financial Future.
Calculator: Social Security & Retirement
Buy vs. Lease Calculator
What's the Difference Between Term and Permanent Life Insurance?
Mortgage Tax Credit Calculator

Make sure you're doing all you can to protect the life you deserve—no matter what stage you're at in life.
Is Social Security part of your retirement plan? Estimate your projected annual benefits.
What’s more cost efficient – buying or leasing a car? This calculator can help crunch the numbers.
Life insurance policies typically fall into two categories: term or permanent insurance. Which type of policy is right for you?
Calculate your potential average yearly tax savings over the life of your mortgage.
Learn moreLearn moreLearn moreLearn moreLearn more

Areas Served

We’re proud to serve the areas of:

  • Wayzata
  • Plymouth
  • Minnetonka

Quote, email, or call our agency today for your personalized insurance quote.

Jim Harper is insurance licensed in the state(s) of Iowa, Minnesota, and Wisconsin. If you do not reside in the state(s) of Iowa, Minnesota, or Wisconsin, please go to the Find an Agent section on to search for another Allstate Agent or Personal Financial Representative.

Subject to terms, conditions & availability.

This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). Life insurance issued by Allstate Life Insurance Company: Northbrook, IL; and American Heritage Life Insurance Company: Jacksonville, FL. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. (877) 525-5727.

Check the background of this firm on FINRA's BrokerCheck website.