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

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Sump Insurance Blog

Does Your Auto Insurance Cover Multi-Vehicle Collision Costs?

Auto liability insurance policies are legally required in most states, including Iowa. However, collision insurance covers an entirely different aspect of auto insurance that you may never have considered. While it is safe to assume that most people do not want to experience a collision in their lives, imminent danger on the road is always an unfortunate possibility. Particularly when the weather is rainy or snowy, the chances of being involved in a car crash go up exponentially.

Not all auto insurance policies cover multi-vehicle collisions, but there are insurance agents who can help protect you in the event of a life-altering crash.  Sump Insurance in Clarinda, IA is here to assist.

Auto Insurance & Multi-Vehicle Collision

Let’s say that you are driving on icy roads and fail to notice that the cars in front of you are coming to a stop, or perhaps you cannot see through the thick sheets of snow. If you rear-end the vehicle in front of you and it continues on like a domino effect, your liability insurance will cover the damage done to the other vehicles.

Alternatively, if you are in one of the vehicles that get hit (or in other words, if you are one of the drivers who is not at fault and got caught in the crossfire), the driver at fault will need their liability insurance to cover your vehicle’s damage. There is also the option of obtaining collision insurance, which may especially be recommended in states with drastically inclement weather. 

Give Us A Call

If you are in the Clarinda, IA area, stop by Sump Insurance to discuss your auto policy with a qualified professional.  Call Sump Insurance today or stop by the office if you are in the area. Allow the experts to give you the information you need to protect yourself and others.

What is the benefit of having an umbrella insurance plan in Iowa?

Anyone living in the Clarinda, IA area will want to ensure they have proper personal insurance in place. While there are many important types of coverage to consider getting, umbrella insurance should be on the top of the list for most people. This is an important form of protection that offers support if you are liable for damages in an accident or other situation. 

Benefits of Having Umbrella Insurance

Offers Higher Levels of Protection

Most people in this area of Iowa will have home or auto insurance plans that will give coverage for accidents involving these assets and their use. While these plans will cover most potential accidents, there will always be a chance that an accident could result in higher damages and claims. In these cases, having umbrella coverage is ideal as it will give the additional support that you need on top of these policies. 

Receive Coverage for More Situations

It is also a good idea to obtain umbrella coverage because it can provide coverage for far more situations. Umbrella insurance is very broad and offers support for many claims that could arise that otherwise would not be covered by another insurance plan. This will give you peace of mind as you will know that you are prepared for the unexpected. 

Contact Us Today

If you are in the Clarinda, IA area, it would be a good idea to obtain an umbrella insurance policy. Once you start looking for insurance, you can learn more about your needs and options by calling Sump Insurance. There are various complexities that come with umbrella coverage and calling Sump Insurance can help as they will answer all of your questions and give the support you need to build a plan that will appropriately cover and protect you moving forward. 

Renters insurance FAQs

Being a renter doesn’t mean that you don’t need to have insurance to protect what you own. More than half of all renters don’t have renters insurance and that leaves them very vulnerable. At Sump Insurance in Clarinda, IA we are a locally owned independent insurance agency, and we want to make sure that you have the coverage you need. 

Renters Insurance FAQs

Will renters insurance replace my laptop if it is stolen?

Yes, it will pay for your laptop and the amount that you get will depend on what type of content coverage you have and what your deductible is. If you have replacement cost coverage, you will get more than if you have actual value. 

Are my personal possessions covered when I am away from home?

Yes, if you travel with personal possessions, they are covered just as they would be if they were still in your home. This goes for your vehicle, a plane, or a hotel. 

If someone is hurt at my rental, do I have coverage?

Yes, you do if you have rental insurance. It will pay for medical bills that may be incurred and, beyond that, it provides coverage for any legal action that may be filed against you due to the injury. It even helps pay for your legal fees. 

If my rental is damaged what happens?

Your landlord or management company is responsible for repairing the rental unit. If it is so badly damaged that you can’t remain in it, your renters’ insurance will give you the means to stay somewhere else until you can come back home. It will also pay for some meals as well if you can’t cook. It means you will have a roof over your head. 

Get Insurance Coverage Today

Contact Sump Insurance in Clarinda, IA if you are a renter, and would like to discuss why you should have renters insurance. 

Driving safety stats Iowa drivers need to know

Driving risks vary by location and vehicle use, and Iowa is no different. Understanding the behaviors that put you at risk makes it easier to understand how to keep yourself and your family safe against risks. In addition, this knowledge can also help you plan the best insurance coverage, for which you can contact us at Sump Insurance in Clarinda, IA.

Driving Safety Stats Iowa Drivers Need To Know

Iowa Commute Times

Studies followed Iowa workers aged 16 and over for a four-year period. The average commute time to work during this time was listed at just over 19 minutes one-way. For a five-day work week, that means work alone accounts for over 3 hours of weekly drive time. This time in the car obviously increases when you consider driving home as well and increases when adding school pickups and errands like groceries.

Time Spent in Cars

Statistics shared by the US Department of Transportation, 2020, at Driving Statistics show that work commutes account for about 28% of our national driving times. Beyond work, auto travel times include 25% of the time in the car spent on social travel, 17% of time driving for family errands, 15% of the auto time for shopping, and another 15% of time spent in cars for school and church. That easily adds up to 10 hours per week or more simply behind the wheel — and many who live in rural areas drive far, far more. 

Get Auto Insurance Today

More time behind the wheel means more time at risk of an auto accident. Whether a fender bender or an impact from an intoxicated driver, more car time equals more risk. Plan the insurance protection you need to manage this risk. For more information on auto insurance and accident protection, contact Sump Insurance in Clarinda, IA today.

How Much Umbrella Insurance Coverage do I Need?

Most people are familiar with the basics of insurance: you pay premiums to an insurer in exchange for protection against certain risks. Homeowners insurance, for example, helps to safeguard your home in the event of a fire or other disaster. Auto insurance protects your car against damage or theft. But what about umbrella insurance?

Umbrella insurance is a type of coverage that can provide additional protection against certain risks, over and above what your regular insurance policy covers. But how much umbrella insurance do you need? Sump Insurance in Clarinda, IA can help you navigate this important coverage.

Here are a few factors to consider:

1. The Value of Your Assets

One of the main reasons to carry umbrella insurance is to protect your assets. If you are sued for damages exceeding your regular policy’s coverage limits, umbrella insurance can help cover the costs. So, a key factor in determining how much umbrella insurance you need is the value of your assets. This includes not only your home and car but also other property such as jewelry, art, and collectibles. If you have significant assets, you may want to consider purchasing umbrella insurance with higher coverage limits.

2. Your Exposure to Risk

Another factor to consider when determining how much umbrella insurance to buy is your risk exposure. This includes both the likelihood that you will be sued as well as the number of damages you could be liable for if you are sued. If you have a high-risk job or participate in activities that increase your chances of being sued, umbrella insurance can provide valuable protection.

3. The Coverage Limits of Your Regular Policy

When considering how much umbrella insurance to purchase, you should also look at the coverage limits of your regular policy. If you have a high-deductible policy or only carry minimal coverage, you may want to consider buying umbrella insurance with higher coverage limits. Doing so can help to fill in the gaps and provide additional protection.

Get Umbrella Insurance in Clarinda, IA

Now that you know some of the factors to consider when determining how much umbrella insurance to buy, it’s time to get a quote. Sump Insurance can help you find the right coverage for your needs. Call us today for a free quote.

How Home Insurance Protects You

Owning a home comes with a wide range of responsibilities, including having home insurance. This insurance is highly necessary for protecting your home, and it offers several different kinds of coverage that each protects you in a different way. When you need home insurance, it’s time to contact us at Sump Insurance in Clarinda, IA.

How Home Insurance Protects You

It Protects Your Home

It’s important to have this coverage because it lends protection to your home. The policy will spell out which types of accents, disasters, and other events it covers, and this will be a wide range of occurrences. When one of them happens to your home and your home is damaged, this insurance will pay for the repairs needed or even the cost of rebuilding if needed. This is valuable coverage that every homeowner needs to have to protect themselves against the high costs of these repairs. 

Protection for Your Possessions

In addition to protecting the home itself, home insurance protects all of your belongings in your home. Many people don’t think about how much all of their possessions are worth when they are added up, but the price is considerable. When an event occurs that damages or destroys what you own, your home insurance will help you to get them replaced. This can be incredibly expensive without insurance, and everyone needs this protection. 

Liability Protection

When you own a home, you are liable for what goes on there. If someone were to be injured in your home, you are likely to be responsible for the medical bills. With home insurance, the policy will pay for those medical bills. 

Insure Your Home

If you are in need of home insurance, there’s no time to wait. Give us a call today at Sump Insurance in Clarinda, IA to get started. 

Reasons You Need Umbrella Insurance for Your Business

Umbrella insurance is insurance that goes above and beyond what your typical insurance covers, whether that is your homeowners or business insurance. You may not need any additional insurance, but it doesn’t hurt to check it out. 

So, why would you need umbrella insurance for your business? Sump Insurance in Clarinda, IA provides you with this guide. 

Umbrella Insurance for Your Business: What You Need To Know

Extra liability

If you have customers coming to your business, you are going to want to make sure that your business is protected in case someone gets hurt. Medical bills and lawsuits can ruin a business, so if your business could be dangerous for your customers, you are going to want to make sure that you have umbrella insurance. 

Extra auto coverage

The same could be said of those businesses that have vehicles on the road. Accidents, even small ones, can cost a business a lot of money, so you should make sure that you are fully protected. 

Extra errors and omissions insurance

If your business deals with sensitive information and one mistake could really cost you and your customers, you may want to consider getting extra E & O insurance. This may be essential for people who deal with the paperwork and other important information. 

Umbrella insurance is extra insurance to make sure that you don’t lose your business over a problem. You may want extra liability insurance or auto insurance if you have customers that could get injured on your property. If you are a bookkeeper or someone who deals with sensitive information, you are definitely going to need extra E & O insurance. 

Give Us A Call

If you want to make sure that your business is properly protected, you need to contact us today at Sump Insurance in Clarinda, IA. 

How To Insure A New Car

Purchasing a new car near Clarinda, IA is an exciting experience! At Sump Insurance, we want to make sure you’re on the road and fully insured as soon as possible so you can begin enjoying your new ride. 

How To Insure A New Car

The state of Iowa has minimum insurance requirements, including:

  • $20,000 of bodily injury to or death of one person in any one accident
  • $40,000 because of bodily injury to or death of two or more persons in any one accident
  • $15,000 because of injury to or destruction of property of others in any one accident

Your coverage doesn’t need to stop there, however. You will likely want to add additional coverage to your new vehicle. 

When you buy a new car, your previous coverage will immediately take effect. However, you’ll need to contact your agent at Sump Insurance to notify them of your new car. We can work with you to determine what type of coverage is best for your new vehicle. We can walk you through different coverage options and what will work best based on your personal situation and the age of your car. 

How to get car insurance 

If you’re buying your first car and don’t already have insurance, contact us prior to purchasing your vehicle so we can get you set up with a policy. Most car dealers near Clarinda, IA will require you to show proof of insurance before they let you drive off the lot. 

When you’re considering purchasing a car, it’s important to take the cost of insurance into account. By calling us before going through with your purchase, you can get an idea of how much the policy might cost. 

If you just bought a car, congratulations! We’re excited to help you along your journey. 

What comes with a home insurance plan in Iowa?

Owning real estate in the Clarinda, IA area has continued to be a great housing option and long-term investment. As you are looking to purchase a home when in this part of Iowa, it is important that you get the right insurance for it. When you get a proper home insurance plan, you will receive various forms of coverage that can make it well worth your investment. 

What comes with a home insurance plan in Iowa?

Mitigate Liability Risks

An important reason for anyone to get a home insurance plan in Iowa is so you can offset your personal liability risks. If you are going to own a property, you will have various liability risks that can include the risk that a guest is injured in your home or that your assets somehow cause damage to another person’s property. As this risk will always exist, mitigating it is important. When you get a home insurance plan, you can offset this concern. 

Protect Assets

You should also get a home insurance plan to help protect your assets. If you are a property owner, you will want to know that your home and personal belongings are properly protected. A great way that this is done is by investing in a home insurance plan. This coverage can help ensure you are protected if you are a victim of a fire, theft, or another type of damage. 

Anyone that is in the Clarinda, IA area will want to know that their home is adequately covered with insurance. As you can find that there are a lot of tough choices to make when looking for coverage, calling Sump Insurance is a good option. The professionals with Sump Insurance understand this unique type of coverage and will give the support needed to build your next insurance plan. 

Auto Insurance Add-ons

When you purchase auto insurance from Sump Insurance serving Clarinda, IA, you might be tempted to only buy the state insurance minimums. Although we want you to obtain the exact insurance you want, let us explain why buying the minimum required insurance probably won’t work out well in the end. By shopping with us, you can create a custom policy that covers exactly what you need.

Auto Insurance Add-ons

The state minimum required coverage only protects the other drivers and pedestrians on the road. That leaves you to pay for any damage your vehicle incurs on your own. Yikes. That can cost a lot of money. If you don’t have a standout medical insurance policy and you cause the accident in which you’re harmed, you’ll also need to pay for the medical costs of your treatment out of pocket.

The solution to out-of-pocket expenses for your own costs is a custom insurance policy. By adding comprehensive, collision, and medical coverage to your policy, anything that happens to your vehicle or you, your insurance covers. Collision covers when your vehicle collides with a fence, tree, mailbox, etc. Comprehensive covers named perils, hazards that you could not prevent, such as damage from hurricanes, tornados, fire, hail, etc. If you get injured in an accident you caused, whether it only involves your vehicle or multiple vehicles, adding medical coverage ensures that you can pay for your hospitalization, physical therapy, and other types of medical recovery treatments.

Don’t get caught without proper auto insurance coverage. Let Sump Insurance serving Clarinda, IA help you obtain the policy you need to cover every likely event. Many individuals think, “It can’t happen to me.” When they have an accident but have full coverage auto, they don’t have to worry that it did happen to them. Call us today, so you remain prepared for every eventuality.

Servicing States

  • Iowa
  • Nebraska
  • Missouri
  • Kansas

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
  • North Star Mutual
  • Pekin Insurance
  • ProAg
  • Progressive
  • RCIS
  • Travelers
  • West Bend Mutual Insurance