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

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Sump Insurance Blog

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.

What Does Home Insurance Cover?

Our agents at Sump Insurance serving the Clarinda, IA area realize how hard you have worked to own your own home. This is the reason they want you to have the proper amount of home insurance in place to protect your investment.

Keep in mind that even if your home is paid for in full, and you do not owe a mortgage, you still need to have a home insurance policy to cover in case the unthinkable happens.

What Does Home Insurance Cover?

A basic home insurance policy will cover the structure of your home as well as the contents inside. The contents can include your clothing and personal belongings, furniture, appliances, electronics, and more. Some insurance policies for your house also include other outbuildings that are located on your property, such as garages or sheds. This type of property insurance is very important if your house is hit by some sort of natural disaster, such as a hurricane or tornado. This type of insurance will also help you repair or rebuild your house if it is damaged or destroyed by a fire or even an act of vandalism. Your home insurance policy will also come in handy if a burglary occurs at your home.

Home insurance can even keep you out of court if someone is injured while visiting your house. This is because it will help pay for their medical bills if they sustain injuries and even take time off of work for them.

It is important to note that certain things may not be covered under a regular home insurance policy, and you may need to add them as an addendum to your main policy. These things include flooding and earthquake insurance. Your agent can help you out with this also.

Contact Us Today

To create the best home insurance policy for you and your beautiful home, contact our agents at Sump Insurance serving the Clarinda, IA area today!

Is Damage Caused by Plumbing Issues Covered by Insurance?

Plumbing issues can wreak havoc on your home, your budget, and your life. Burst pipes, leaks, or sewage backups can lead to water damage, mold growth, and structural problems. Homeowners experiencing water damage from plumbing issues like these often ask us at Sump Insurance in Clarinda, IA, if their insurance will cover the costs. While it depends on the specifics of your insurance policy and the cause of the damage, here are some general guidelines to consider.

Plumbing Issues & Insurance

Homeowner’s insurance typically covers sudden and accidental water damage caused by plumbing issues. If a pipe bursts or leaks because of factors beyond your control, like freezing temperatures or wear and tear, your insurance policy might cover the resulting damages. You can consult your agent or policy to determine whether there will be coverage in your particular situation. 

Certain kinds of plumbing damage are almost never covered by homeowners insurance, like damage that results from negligence or lack of maintenance. Additionally, some policies have specific exclusions for certain plumbing-related issues, like sewer backup. Carefully read your policy and consult with your insurance provider to understand what’s covered and what’s not.

In many cases, you can prevent plumbing-related damage by inspecting your pipes regularly, addressing leaks as soon as you notice them, and maintaining adequate insulation around your plumbing. If you do experience a plumbing emergency, take steps to limit the damage as soon as possible: turn off the water at the source, use towels or a wet vacuum to remove excess water, and set up fans in the affected area as soon as possible. Contact your insurance agent right away. As you work to repair the damage, take pictures and keep all of your receipts. 

We Can Help!

To learn more about homeowners coverage in Clarinda, IA, contact us at Sump Insurance today!

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.

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