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

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What Extras Can I Get With My Homeowner’s Insurance?

Some homeowners in Clarinda, IA mistakenly believe that the insurance policy they buy will cover everything in their houses. Basic home insurance policies are far from comprehensive when it comes to protecting various events that can damage your structure and its contents. A better course of action is to consider add-ons to your basic policy that the brokers at Sump Insurance can recommend.

What Standard Insurance Covers

Standard homeowner’s insurance policies generally provide four basic types of coverage. These are:

  • Structural or dwelling coverage to rebuild your home after a covered risk
  • Personal property to cover your belongings like furniture and clothing
  • Alternative living expenses to pay for living elsewhere while your home is repaired
  • Liability for legal and financial protection if someone is injured on your property

Add-Ons Provide Policy Customization

Add-ons, also called riders, allow homeowners to expand their coverage based on where they live, their home’s unique characteristics, and the items they own. Riders give you a wider umbrella of protection if mishaps occur. One of the most common riders involves a listing of valuable goods such as jewelry, artwork, and similar items worth much more than a typical deductible. These are called scheduled properties.

Other add-ons you should consider are:

  • Equipment breakdown covering electronics and appliances
  • Water and foundation backup for sump pumps send sewers
  • Flooding
  • Buried utility lines
  • Swimming pool coverage for above and in-ground installations
  • Extended reconstruction

The last is particularly important, as construction companies often do not finish promised repairs within the time your main policy allows.

Schedule A Consultation Today

Let Sump Insurance, serving the greater Clarinda, IA area customers advise you on what homeowner’s insurance you may need. We will gladly discuss your unique situation and recommend the best course of action. Call for a consultation today to determine your needs.

Servicing States

  • Iowa
  • Nebraska
  • Missouri
  • Kansas
  • Arizona

Why Work With Us?

  • 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