Call us at 952-445-5767

Text us at 612-814-8960

Homeowner’s Insurance… Some Things To Consider

A Homeowner’s Insurance Update

Most people only think about their homeowner’s insurance once a year when the policy renews, or if they have a claim. With winter weather approaching, we hope that you will take time to review your home insurance. Harsh winter weather brings wind, rain, and the risk of a major weather event causing damage to your home. If your home is damaged, the insurance company will require documentation in order for you to fully recover your loss. We want you to receive the greatest amount of coverage possible under the policy.

  • Have us complete a review of your homeowner’s insurance. We can identify gaps in coverage.
  • Develop a home inventory. A complete home inventory benefits homeowners and insurers by supplying both parties with the tools to make better, more informed insurance decisions.
  • Keep your home inventory away from your home; store it in the “cloud” or with a family member.
  • Store your homeowner’s policy in a safe place, where it won’t get damaged.
  • Keep your important family documents in a locked fireproof box.
  • Take a video of your home, inside and out, including all your personal property.
  • Once damage occurs, use the video to confirm damage.
  • You have the right to hire a contractor to make emergency repairs to prevent further damage.

Understand that under a standard homeowner’s policy, you are not covered for things like floods or earthquakes.  These are items for which you must purchase separate coverage.


At Innovative Insurance we believe our greatest asset is the relationships we build with our clients and we are dedicated to being the right choice for all of your insurance and financial needs. We take pride in our ability to tailor a comprehensive insurance package that maximizes your insurance protection while minimizing money out of your pocket.

*Main Office - Shakopee

8001 Old Carriage Ct N, Ste B

Shakopee, MN 55379

Main office: 952-445-5767
Fax: 952-445-2182

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: 9:00 AM - 12:00 PM
Sun: After Hours by Appt.

Litchfield Office

125 S Sibley Ave, Ste 5

Litchfield, MN 55355

Main office: 952-445-5767
Fax: 952-445-2182

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.