Frequently asked questions
Our Insurance Products
Understanding the language of insurance policies can be difficult, which is why Harmony State Agency focuses on being your guide to coverage whenever you ask for a quote on a new auto insurance policy. Whether you are looking to keep coverage on an older vehicle or you want to make sure your new purchase is fully protected, there are a variety of coverage options offered by Harmony State Agency to fit any driver's needs in Harmony.
Liability coverage is the first and most basic kind required by most states, but your optimum level of coverage and your state's minimum requirements might be quite different. It all depends on your individual needs starting with the vehicle you drive. Agents at Harmony State Agency understand this, and part of the process of finding the right policy for each driver is finding the right combination of features. That means not only taking care of basic liability but also assessing your needs for collision insurance protection and comprehensive coverage to provide drivers with peace of mind even when the vehicle is parked.
To ask questions about coverage or to talk to Harmony State Agency about other discounts you might qualify for, give our offices a call at (507) 886-2100. We are also able to make appointments for face to face consultations at our office located at 103 Main Ave N. Whether you want to know more about prices and coverage levels or you're ready to move forward with a purchase, our agency is ready to help with your auto insurance questions.
Need help understanding what's required by your home lender? Or how you can best protect your home's property value including the dwelling, other property structures, and the belongings inside the home? Let Harmony State Agency make sure you don't miss that crucial detail about your homeowner's policy. Along with their general expertise of Harmony home insurance, our agents will listen carefully to your questions and concerns. From there, it's a straightforward process to find the policy coverage that makes the most sense for your home and your loved ones.
Everything from the age of the home to the age of the homeowner can mean new ways to save on your Harmony home insurance. There are also exclusive Nationwide benefits programs, like Brand New Belongings® and Better Roof Replacement®>. These programs will make it easier to move forward should a covered damage occur. In the meantime, they offer extra peace of mind.
You probably didn't build the house on your own, and nor should you have to wade through the details of a home insurance policy by yourself either. Let Harmony State Agency demystify the process and help you understand how a policy protects you from covered damages. When it comes to something this important, you don't want to stay in the dark. Give us a call at (507) 886-2100 to discuss your policy. Or schedule an appointment with our office at 103 Main Ave N to talk about your concerns in person with Harmony State Agency and our staff today.
If you have children, a spouse or anyone in your life who depends upon you financially, you need life insurance. The same holds true if you depend upon someone else financially. Life is unpredictable but it is within your power to minimize or even eliminate the financial impact of unexpected life events.
We at Harmony State Agency are here to help people like you in the Harmony area. We are here to answer your questions and make life insurance understandable. We will explain term versus permanent insurance and we will outline the types of life insurance that may be best for you.
When determining the amount of coverage you need, you should consider both your present and future circumstances. What are your current financial needs and what do you expect to be the future financial needs for your family?
You should factor in your current age, income and debts and the likely financial impact of lost income. You should also consider final expenses as well as future educational needs for your children and even for yourself or your spouse. If you are a one-income household, you should be sure to purchase a policy that will cover that income in its entirety if lost.
Life gets hectic; make sure you are not too busy to take care of yourself and your family. Call us now at (507) 886-2100 and ask for Harmony State Agency. We are located at 103 Main Ave N,Harmony,MN,55939 and you are welcome to stop in any time. Let us help you find the right policy to assure your family’s financial security.
Harmony companies of all kinds come to Harmony State Agency with their business insurance and risk management needs. That's why we've partnered with Nationwide. Maybe you're looking for a specific product offering like general liability or commercial property. Or maybe you're looking for a business owner's policy customized to eliminate any lingering coverage gaps. Versatile insurance solutions are available for local companies that operate in major industries as well as small businesses in niche markets.
Harmony State Agency talks to a lot of Harmony business owners who are looking for a policy that's customized for their company but doesn't become another huge demand on their time. As part of our service at Harmony State Agency, we'll make sure your company gets a free On Your Side® Review to search for new discounts and gaps in coverage. One of our agents can also explain the flexible billing and payment options available through Nationwide. It's easy to structure a policy to meet your immediate budgetary needs, while also helping to position your company for future growth.
Call Harmony State Agency at (507) 886-2100. We can discuss your company's risk management needs so that you can make a decision about your coverage quickly and confidently. We can also set up a time to talk in person. Our office is located at 103 Main Ave N.
Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.
The Harmony State Agency also offers products in IA. Please call for information on products in those states.
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