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Sump Insurance

113 N 15th St
PO Box 199
Clarinda, IA 51632

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Sump Insurance Blog

Is Home Insurance Mandatory in Iowa?

Owning a house brings comfort and satisfaction to anyone’s life. However, homeownership is not without risks. Therefore, it’s advisable to look for protection for your house and the belongings placed in it. Our team of insurance experts at Sump Insurance is here to help.

Is Home Insurance Mandatory in Iowa?

Home insurance is not mandatory in Clarinda, IA or anywhere else in the state, but if you acquire your house through financing as a mortgage, the lender might want you to have it until you pay the outstanding debt. Regardless, it’s very important for a homeowner to consider insurance packages to ensure preservation for both your house and the personal materials stored in them.

The benefits include:

Dwelling coverage: 

This protection is intended to guard your house, comprising the walls, built-in appliances, and floors, as well as separate structures like a gazebo after an insurable risk strikes.

Additional living expenses: 

If your beautiful home is destroyed by the stated risks in your legal document and becomes unlivable, this protection kicks in and pays for accrued expenses when your home is being restored or reconstructed.

Contents coverage: 

Getting this policy safeguards your belongings such as clothing, furniture, and electronic gadgets after they get damaged or robbed by a predominant catastrophe.

Contact Us Today

Have you bought or constructed your house recently in Clarinda, IA? Give us a call at Sump Insurance to get more details about home insurance.

Servicing States

  • Iowa
  • Nebraska
  • Missouri
  • Kansas
  • Arizona

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  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Have access to your auto ID cards from your phone

Partner Carriers

  • Auto-Owners Insurance
  • Cameron Mutual Insurance
  • Farmers Mutual Hail
  • Great American Insurance Group
  • Hagerty Classic Car Company
  • IMT Insurance
  • Nationwide
  • NAU
  • North Star Mutual
  • Pekin Insurance
  • ProAg
  • Progressive
  • Travelers
  • West Bend Mutual Insurance