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Changing Weather Means A Change In Habits

A personal insurance update

In some parts of the region, the rain and snow have stopped--and we can even see blue sky.  This means that it is time to get out and start preparing our homes for spring and summer risks.  There are many things you can do to protect your home.  Furthermore, if your home is properly maintained, you have less chance of having a home insurance claim.


Home insurance risks:

  • Make sure your roof has been cleaned. If moss is present it is a good idea to get it removed.
  • Clean your gutters.
  • Check your washing machine hoses for cracks, and replace if necessary.
  • Regularly check your dryer filter and clean it.
  • Have a professional check your septic system.
  • Clean decks, driveways, fences and other outside surfaces.
  • Check your decks, railings and other exterior portions of your home for wood damage.
  • Daylight savings time is the perfect time to change the batteries in your smoke detectors.
  • Clean or replace your HVAC filters.
  •  Check your fire extinguisher including the hose, nozzle, and other parts, at least once yearly to make sure they are in good condition.  Confirm that the pressure gauge is in the “green” range.
  • Trim back any branches that are too close to your home or that hang too low.
  • Check seals around windows and doors.

Keeping your home maintained is the best way to keep your homeowner’s insurance rates as low as possible.


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


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.