Homeowners Insurance

Providing Homeowners Insurance to Shakopee, MN and all surrounding communities

If you own a house, your home isn’t just the space where you relax and rest. It’s also one of the most valuable assets you’re likely to own. For most people, a house is the biggest investment they’ll ever make. Secure your investment and peace of mind alike with a homeowners’ insurance policy built around your needs. Innovative Insurance Services LLC is dedicated to taking care of the place -- and people -- you hold closest. We offer a variety of home insurance options to make sure all your bases are covered against destructive weather, theft, accidents and more.

The Importance of Personal Liability Insurance

Imagine something major going wrong in or around your home such as a guest getting hurt or someone’s valuable personal property being seriously damaged. Personal liability insurance makes sure that you are covered in the event legal action is taken against you in such situations. With this coverage, your financial assets are kept safe from the results of any litigation -- for better or worse.

Why You Need Property Insurance

In the event your home experiences devastating weather -- say, a fire, a hailstorm or dangerously heavy snow build-up -- property insurance can keep you protected. In times of crisis, property insurance provides you security when your residence is damaged.

Property Insurance Options to Consider

There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative from Innovative Insurance Services LLC who can help you find the right policy.

Options such as Flood Insurance may not fall under a standard Homeowners policy.  Other items that may not be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

With Homeowners Liability Coverage from Innovative Insurance Services LLC, you can ensure the security of your finances and the safety of your family in the event of an accident. For serious injuries, including casualties, you may be responsible for paying large medical bills and even court costs if you are sued. This policy works to protect you in a variety of situations, including:

• Claims for property damage
• Claims for injury to others (either on or off the premises)
• Liability defense costs
• Medical expenses for injuries to others

Take the Next Steps Forward

You can’t afford to risk unpredictable forces and let this critical investment go unguarded. We offer several forms of coverage to suit all kinds of situations. We’ll build a policy shaped around your specifications. Please request a quote or contact us to learn more. Contact Innovative Insurance Services LLC today.