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

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Sump Insurance Blog

Common Home Insurance Mistakes To Avoid

Sump Insurance serves the Clarinda, IA community, as well as the surrounding areas. We strive to offer our clients flexible policies that align with their personal needs. We offer several types of coverage. We are confident that we can help you find the coverage you need to protect your assets.

Common Home Insurance Mistakes To Avoid

Your Clarinda, IA property is one of your most prized possessions. Owning a home means that you have to find the necessary coverage to protect it. Home insurance can protect your property in any situation. Home insurance covers the interior and exterior of your property against possible damage. You are also covered if your personal items inside the home are stolen or vandalized. Liability coverage protects you if a guest is injured while visiting you or if you accidentally damage your neighbor’s property. While looking over your policy, avoid these common home insurance mistakes.

Failing To Prepare For A Natural Disaster

Almost every region is impacted by severe weather to some degree. In most cases, severe storms bring heavy rainfall. The accumulation may cause a flood. If your home is damaged due to severe flooding, you’ll need extra coverage beyond your home insurance. Adding flood insurance to your policy is beneficial.

Not Performing Regular Maintenance

Even though you have home insurance on your property, you are still obligated to take care of your home. Failing to perform regular maintenance on your home can lead to several long-term issues. Mold is a common issue in homes that occurs as a result of failing to perform regular maintenance. Termite or rodent damage is another issue that frequently arises due to a lack of proper home maintenance. If these issues arise on your property, you will likely not be covered through your home insurance.

Sump Insurance Will Help You Protect Your Assets

Visit our website to learn more information about home insurance.

In All Seasons You Need Umbrella Insurance

Many people don’t understand why they need umbrella insurance, especially when they have other coverages like car, home, and boat insurance. But do you know that these insurance policies may not cover you fully in the event of a significant catastrophe? Well, without umbrella insurance, you may be forced to pay thousands of dollars from your pocket to cover any extra cost beyond your typical liability coverages.

Since lawsuits can strike anytime, you need umbrella insurance all the time. Sump Insurance outlines the benefits associated with this insurance policy to help you understand why you need umbrella insurance all through the seasons.

Protects your assets

In the event of a significant accident or incidence that results in bodily injuries or property damages, your underlying primary insurances can easily get depleted, leaving you with the extra bill to pay. If the bill is enormous, you could jeopardize your assets as it would mean letting go of some of them to cover the cost. However, such occurrences are taken care of with umbrella insurance, leaving your income and assets intact.

Protects you from expensive lawsuits

Being sued today is more common than ever, not to mention how expensive it has become. If you have assets, host guests at your home, a public figure, or own a business, then know that you are prone to lawsuits. The good news is that umbrella insurance is there to protect you from any liability claim.

Provides additional coverages

Your other primary insurances do not cover occurrences like slander, libel, defamation, or wrongful arrest. But umbrella insurance provides broader coverage that keeps you protected throughout the seasons.

It’s affordable

The fact that umbrella insurance kicks in when your other primary insurance gets depleted makes it extremely cheap. It’s one of the reasons you should have it all year-round.

Umbrella insurance in Clarinda, IA

You may need an umbrella during the rainy season only, but you should have umbrella insurance all year round because lawsuits don’t have an off-season. If you are in Clarinda, IA, shopping for umbrella insurance, look no further than Sump Insurance for an affordable quote.

Variables That May Impact Your Home Insurance During The Fall Season

Sump Insurance serves the Clarinda, IA community. We are committed to helping our clients find the coverage they need to protect their assets. We offer flexible policies designed to evolve as our clients’ needs change. Providing good customer service is a priority.

Variables That May Impact Your Home Insurance During Fall

Owning a home is a huge achievement and a significant investment. You have a lot of responsibilities to manage and potential risks. A strong home insurance policy helps alleviate a lot of stress. Home insurance covers the interior and exterior of your property against potential damage. Home insurance also covers your personal items if they are stolen or vandalized. Liability coverage protects you if you accidentally cause damage to your neighbor’s property or if one of your invited guests suffers an injury on your property.

As the Fall season approaches, you may have to adjust your policy. This is the time to perform regular maintenance on your Clarinda IA home. If your home suffers damage due to poor maintenance, you are not covered. Check your windows and seal off any window panes and door seals. Water damage can be a major problem.

Check your pipes and pay attention to the water pressure. Clean your drains, gutters, and your water valves. Consider having your roof inspected. Performing outside maintenance around your home is important to avoid the possibility of someone slipping and injuring themselves on your property. Make sure that there is a clear pathway to entering and exiting your home. Your home should also be well lit. This could prevent a potential liability situation and also reduce the chances of someone breaking into your home.

Sump Insurance Will Help You Cover Your Assets

Visit our website to learn more information about home insurance.

Most-forgotten Basics About Auto Insurance

Whether buying auto insurance online or through an agent in Clarinda, IA, it’s never easy. With many coverages, insurance jargon, and myths surrounding car insurance, it’s always never straightforward with auto insurance. 

The good thing is that you don’t need to be an insurance expert to understand auto insurance. Being in the know of the following basics of car insurance, as highlighted by Sump Insurance, will help you make an informed decision when shopping for car insurance. 

Reading your policy document

Most people are quick to sign off their auto insurance plan without understanding their policy document in detail. Understanding your policy document in and out is the first place to start if you are to get the most out of your auto insurance policy. 

Your policy document contains what’s covered and what’s not covered by your insurer. This way, you will not encounter surprises when filing a claim.

How insurance rates are determined

Ever heard someone say that red cars attract higher premiums? This is a blatant lie. Your car insurance rate is determined by factors like number of coverages, driving record, claim history, model of your car, your location, and personal details. 

While each insurance company has its way of determining insurance rates, it’s pivotal to have a rough idea of what goes into your insurance premiums. This way, you can deter your rates from increasing for factors within your control.

State-required minimums aren’t enough

Each state has mandatory requirements for auto insurance. In Iowa, for example, drivers are required to purchase bodily liability insurance. Besides, underinsured/uninsured motorist coverage is compulsory but can be rejected through writing.

While observing the state’s requirement is superb, these coverages are never adequate. The limits are inadequate, and the coverages cover other people, but not you and your vehicle. As such, we recommend motorists to consider optional coverages, including:

  • Comprehensive coverage
  • Collision coverage
  • Personal Injury Protection (PIP)
  • Roadside assistance

Would you like to learn more about auto insurance? Don’t hesitate to contact Sump Insurance of Clarinda, IA.

Umbrella insurance FAQs

Umbrella insurance is one of the most confusing types of insurance and most people have a lot of misconceptions about what it is and what it does. Even the name is confusing, it doesn’t insure your umbrella. What exactly does it do? For answers you can count on,  Sump Insurance in Clarinda, IA is your full-service independent agency. Service is our specialty and we are dedicated to making sure we provide our customers with the best possible insurance experience.  

What is umbrella insurance? 

Umbrella insurance is excess liability coverage. It does not stand alone, it is an addition to another policy or policies that have liability coverage. An umbrella policy protects your assets from all the adversity out there much like an umbrella protects you from the storm. Umbrella policies start at around a million dollars and go up from there.

Who can benefit from umbrella insurance?

If you have assets, you can benefit from umbrella insurance. It can be added to boat insurance, motorcycle coverage, renters insurance, condo coverage as well as home and auto insurance. If you have more than just a basic life, you can benefit from additional liability protection. 

Is umbrella insurance only for the rich?

No, this is one of the most common myths about umbrella insurance. If you have savings or own a home, you have enough assets to be in danger from a judgment against you. 

Can I buy umbrella insurance alone? 

No, umbrella insurance is additional liability coverage, so you must have a primary insurance policy that includes liability. 

Do I need to get my primary liability policy from the same carrier as my umbrella insurance?

No, there is no requirement to get the umbrella policy from the same company. Shop around for the best deal, though with the same company, you might get a multi-policy discount.

If you want to discuss the benefits to you of umbrella insurance, contact Sump Insurance in Clarinda, IA.

Home Insurance Options for Clarinda, IA

Your home is your castle. Why not protect it as you would a real castle from the risks that are outside? Some risks are inside your home as well. Fires, floods, tornadoes, and termites, are all examples of the types of enemies that can invade your home without much notice and leave it in ruins.

Do Your Homework

To make sure you have the right insurance, it will pay to do a little research to make sure you have covered all of the bases. 

Clarinda, IA boasts a number of beautiful homes that grace the area in the most pleasing way. Tourists and locals alike enjoy seeing the lovely real estate. It would be a shame to see these homes at risk by not having enough coverage.

Sump Insurance wants to be your go-to for home insurance. They are pleased to serve the Clarinda IA area and they offer a number of options for homeowners to ensure that their castle is well-guarded from the enemies within and without.

Options for Home Insurance

Some of the most common options are listed below. Do your homework to find out more and visit a licensed agent as soon as possible. 

  • Additional home insurance amounts through flood or umbrella insurance
  • Fire insurance
  • Insurance against unexpected events like storms or hurricanes
  • Theft insurance 
  • Rental insurance for occupants of rental properties

These are just a few examples of what you can add or look into regarding your homeowners’ insurance. It’s important to cover your home completely and leave no stone unturned. Out-of-pocket expenses for home insurance can be more expensive than you can afford to deal with in the event of a tragedy or act of nature.

Visit with the staff at Sump Insurance today and rest easier tomorrow. We can help you have peace of mind for your home’s security.

What Clarinda, IA Drivers Need to Know About Auto Insurance

What are your minimum auto insurance requirements in your state? In Iowa, there is a minimum liability coverage including: 

  • $20,000 of bodily injury or accidental death of one person in any accident
  • $40,000 due to bodily injury or death of 2 or more persons in any one accident
  • $15,000 due to injury or destruction of property in any one accident

Why Do States Put These Mandates in Place?

States put insurance minimums in place because those are the lowest numbers of injury, accidental death, or loss of property that the legislature believes should be covered in the event of an accident.

Remember, insurance was created to pay any liabilities you may incur due an accident that was due to your own negligence or some mishap due to your fault or misjudgment.

Iowa is a "fault" state, meaning the state does hold you responsible for your poor driving, but not the other driver. So you only pay if it is your fault. But unless you are a perfect driver, there is still a risk involved that threatens your financial situation.

Sump Insurance strives to help you cover not only the minimum state-mandated insurance requirements but also any other insurance coverage that you feel you need to protect your financial situation.

A good question to ask is: "Could I afford to lose the amount of money I might lose if I had a car accident taking this person with me to work or if I wrecked someone else’s car on the way home from ball practice, for example. Thinking of insurance as more than the paperwork you sign to get a policy is the first step. It’s important to think about the practical day-to-day applications of insurance that you might encounter, given the types of risks you have on a regular basis, to see how much insurance you might actually need.

Who is Sump Insurance?

Sump Insurance in Clarinda, IA services the Clarinda area and surrounding regions. We are experienced and friendly and we have the knowledge and expertise to get you covered for the most important risk areas you have and make sure you are meeting the minimums.

Contact Sump Insurance today and let us advise you on how to make sure you have the insurance you need to get you going down the road again with confidence!

Who Needs Umbrella Insurance in Clarinda IA?

You have perhaps heard about umbrella insurance, but do you understand what it is and what it covers? Umbrella insurance is extra liability coverage that supplements the liability coverage in your auto, boat, or home insurance. In other words, umbrella insurance picks from where other insurance coverages leave off. 

But do I really need umbrella insurance? Isn’t it for the rich and famous? If you find yourself asking these questions today, you have an answer. All you need to do is to keep reading as Sump Insurance of Clarinda, IA elaborates on who needs umbrella insurance. But first, let’s explore what umbrella insurance covers.

What does umbrella insurance cover?

Umbrella insurance is liability coverage. It covers other people but not you or your property. Ultimately, umbrella insurance protects you when others accuse you for:

  • Property damage
  • Bodily injury
  • Personal liability, including slander and libel

Additionally, umbrella insurance covers your defense costs, including legal processing costs, lawyer fees, and settlement claims. 

Who needs umbrella insurance?

There is a popular notion that umbrella insurance is for the wealthy. While umbrella insurance protects those with significant assets, virtually anyone earning a livelihood needs umbrella insurance. Why? Everyone in America is at the risk of being sued. And if you have assets and earnings, they are on the line if you face significant liability claims exceeding your typical liability coverages. 

While most people need umbrella insurance, if you are in the below situations, you need umbrella insurance today since the risk of being sued is high. You need umbrella insurance if you:

  • Own a dangerous pet that can bite
  • Chair a charitable organization
  • Own a boat, home, or vehicle
  • Coach youth sports
  • Participate in high-risk hobbies like hunting or skiing
  • Own a business

Buy umbrella insurance today!

Would you like to boost your auto, home, or boat insurance? Buying umbrella insurance saves the day when lawsuits come calling. If you are in Clarinda, IA and its environs, please speak to Sump Insurance for umbrella insurance coverage.

Hazards home insurance won’t cover

When you have a mortgage, your lender will require you to have home insurance. They want to protect the building they have an interest in. You may think your home insurance covers you for anything that can happen, but that is not the case. Every home insurance policy has limits and exclusions, and it is up to you to know what these are. At Sump Insurance in Clarinda, IA service is our specialty. We make sure our customers have the insurance they need at prices they can afford. 


Earthquakes can happen unexpectedly and not just in California. But they are not covered on traditional home insurance policies. You are able to purchase insurance to cover earthquakes separately. This lack of coverage extends to other types of land movement such as mudslides and sinkholes. 


Floods are one of the most damaging of natural disasters. If you have a burst pipe in your home, this type of flooding is covered but if the river near you rises and sends water into your home, you are not. The damage from even a small amount of water in your home is overwhelming. FEMA offers flood insurance through the NFIP that you can purchase and if you are in a flood plain, your lender will require you have it. 


If termites invade your home and cause thousands of dollars in damage you are out of luck. As a homeowner, you are responsible for doing the home maintenance required to mitigate this sort of issue. Treatment for pests is your responsibility and if you don’t do it, you will pay to repair the damage. 

Sewer backup

What is worse than a sewer backup? Having your home insurance deny the claim. If this is a concern, you can add a rider to your policy.

Contact Sump Insurance in Clarinda, IA to discuss your home insurance needs. 

Iowa Drivers, This is What You Need To Know About Auto Insurance

When you think of it, there are many ways auto accidents can occur. A blown tire, reversing into a wall, falling objects, crashing into another vehicle, and so forth. And even when you are careful, accidents can still happen. A distracted or careless driver can crash into you. Given that we can’t prevent vehicular accidents entirely, drivers need auto insurance for optimal coverage.

Not sure where to start? Here at Sump Insurance, located in Clarinda, IA, we will help you navigate Iowa’s auto insurance landscape. Here are things you should know about Iowa auto insurance.

Auto insurance is mandatory in Iowa State.

You know this, but we will say it nevertheless: auto insurance is mandatory in Iowa, and the state requires you to carry the below minimum coverages:

  • Bodily injury liability: Pays for medical expenses for injuries caused to third parties in a vehicular accident when you were at fault. The state requires you to carry a minimum of $20,000 for an accident involving one person and $40,000 for an accident involving more than one person.
  • Property damage liability: This covers property damage to other persons, but not you — for instance, you crashing into their car or reversing into their house. The minimum coverage required is $15,000 per accident.

There are other auto insurance coverage options.

While the state requires mandatory liability coverage, other car insurance policies exist to cover your vehicle against theft, vandalism, falling objects, hail, and other perils specified in your policy. Some of these coverages include:

  • Collision coverage to pay for damages to your car
  • Comprehensive coverage to cover your vehicle against theft, fire, and other risks
  • Medical payments to cover for medical costs arising from a vehicular accident
  • Road assistance to bail you when stranded on the highway

Auto insurance premium varies

Yes, your car insurance premium won’t be exactly like your friend’s, even though you have the same car model. Car insurance companies in Iowa use the below factors to compute your premium:

  • Your age 
  • Credit scoring
  • Your occupation and education level
  • Marital status
  • Gender
  • Zipcode
  • Claim history

Having the right auto insurance coverage can save you huge bills later on. Thankfully, for Clarinda, IA residents, you can get optimal auto coverage from Sump Insurance. Contact us today, and we shall take care of your car insurance needs.

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