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Reduce Energy Costs This Winter

November 18, 2015

Home Insurance Update

Now is a good time to review your personal insurance, including home and auto insurance. We can review your insurance program and determine if you have any coverage gaps. Do you have coverage for water damage? We can answer that for you.


  •  Set your thermostat to 58-65 degrees during the winter. Keep above 40 degrees when gone.
  • If you have a fireplace, close the damper when the fireplace is not in use.
  • Use a programmable thermostat to reduce heating costs when no one is at home.
  • Close all blinds, drapes and shades in your home. This will keep warm air inside your home during the day.
  • Reverse the direction on your ceiling fans. This will push the hot air down and help it recirculate throughout the house.
  • Before you begin your fall maintenance routine, take a walk around the perimeter of your home, keeping a close eye on the condition of your foundation.
  • Clean the filters and vents of your furnace unit to make sure it’s working efficiently. Also make sure that the vents in your home aren’t obstructed by furniture or other objects.
  • Unplug any electronics that aren’t being used. Many devices use energy while they’re plugged in, even if they’re turned off.
  • Insulate the hot water lines around your hot water heater and turn down the temperature of the water heater to the “warm” setting (120 degrees F).
  • Check calking around windows and doors and update where needed.
  • Installing a storm door can seal those drafts and help reduce air flow.
  • Bake bread. It is fun, it warms up the house, and it tastes great.

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.