Call us at 952-445-5767

Text us at 612-814-8960
 

Common Limitations and Exclusions Found in Most Insurance Policies

What Is Insurance Designed to Do?

Most people who buy insurance do not fully understand their coverage until they have a claim. Once you have a claim, it is impossible to make any changes. Insurance is designed to protect you from unforeseen events or accidents. Insurance is not intended to cover every accident or loss. 

These are the exclusions in every policy:

  • Intentional Acts
  • Flood 
  • Earthquake
  • Arson By Insured
  • Riot Or Civil Unrest
  • Wear & Tear
  • Faulty Workmanship
  • Governmental Actions
  • Landslides

Typical exclusions of which you might not be aware of:

  • Operating a business out of your home
  • Renting out your house on Airbnb
  • Certain dog breeds
  • Trampolines – may have coverage with restrictions
  • Sewer backups

Insurance is something we know and understand. We can help you understand how insurance can help you protect your assets. We offer many different kinds of insurance products and have a professional staff that is ready to serve you.

Call us today and let us help protect what is important to you. Insurance specialists at Innovative Insurance Services LLC serve to help you coordinate an insurance program that determines the best coverage options for your needs – for benefits and quality discounts that help you save. What does this mean for you? By combining home and auto policies, you may be eligible to receive money-saving discounts, a guaranteed full-year policy term for your car, On Your Side® insurance protection, 24-hour Customer and Claim service, and more.

*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

Testimonials

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.