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Sump Insurance

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

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What Are the Benefits of Buying Home Insurance in Person Versus Online?

If you are looking to purchase home insurance, Sump Insurance, serving the greater Clarinda, IA area, would love the opportunity to assist you. One of the questions that we are frequently asked is what the benefits of buying home insurance in person from an insurance agent are compared to going online and purchasing home insurance.

Here are some of those benefits:

An Insurance Agent Can Help You Understand the Policy Language

One of the benefits associated with buying home insurance in person versus online is that an insurance agent can help you understand the policy language. Not everyone is familiar with every insurance term, so having a professional who is can be helpful. 

An Insurance Agent Can Help You Determine How Much Coverage You Need

Another benefit to buying home insurance in person versus online is that an insurance agent can work with you to determine how much coverage you need. This helps to ensure that you are fully protected in case an unexpected event occurs, and you need to file a claim with your home insurance company. 

An Agent Will Go Over the Exclusion List With You

Lastly, an insurance agent will go over the exclusion list with you. Many policies have exclusion lists that exclude things such as earthquakes or flooding caused by heavy rains. Knowing what is excluded helps you to better understand your policy and ensures you can purchase a separate insurance policy to cover things not covered by your home insurance policy. 

Reach Out To Us

An insurance agent can work with you to ensure that you understand the policy language, to help you determine how much coverage you need, and to be sure you understand what is excluded from your policy. If you are looking to purchase a home insurance policy in the greater Clarinda, IA area, reach out to Sump Insurance to get started. 

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.

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. 

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. 

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. 

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.

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.

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.

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. 

How to prevent house fires

Nothing can be quite as destructive as a house fire. Even if the fire department gets to your home in time to save the structure, the resulting fire and water damage can be immense. The potential for loss of life is also sobering.

So, any measure that can be taken to prevent a house fire ought to be taken. The first thing you need to do is install smoke alarms and change the batteries at least annually. It would be best to have a fire extinguisher ready to put out fires before they get out of control.

It would be best if you kept your stove and oven clean. Do not leave cooking food on your stovetop unattended. Keep nothing flammable near your fireplace. Make sure that a lit fireplace is not left unattended. Be careful when using candles for that romantic dinner with your spouse or significant other. Ensure that power cords for any of your electronics are not chewed or frayed. Replace them immediately if they are.

Ensure that any flammable liquids are properly stored and secured. These include hairspray and shaving cream, along with cleaning products. Air conditioning filters and the lint trap in your dryer should be cleaned regularly. If you use a space heater, make sure that it is located away from anything that can catch fire.

It’s not a good idea to smoke under any circumstances. However, if you must smoke, do so outside. Soak the cigarette butts in water before disposing of them.

For any more questions about house fires and home insurance, contact Sump Insurance, serving Clarinda, IA.

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