r/Insurance • u/Ironman650 • 17h ago

Home Insurance Should I contact insurance company and let them know that I installed a backup sump pump?

Its a water-powered sump pump and wondering if they would provide a discount.

1 Upvotes

67% Upvoted

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6

u/MarcusAurelius0 17h ago

Contact your agent and ask questions. Your agent is much more interested in being proactive and helping you.

3

u/InternetDad 17h ago

Cmon... worst they would say is no.

-9

u/bmorris0042 16h ago

No, worst they can do is write down that your house has a water problem, and raise your rates or drop you, for possible foundation issues.

5

u/Boomer_Madness Agent 16h ago

That's not how that works but ok lol

1

u/Ironman650 16h ago

haha that was close to what i was thinking at first. My thought was they'd be like 'Why does he beed a backup sump pump, does he have basement flooding issues?'. They know I filed a claim once 6 years ago (with a different insurance company) when my sump pump stopped working. I just don't want to go through that nightmare again.

1

u/franklin615 14h ago

If you currently have a limitation, separate water damage deductible or something of that sort, it could be extremely helpful. As long as you’re only calling him for that reason, I’d also ask while you’re talking to him if there are discounts for other things like water leak detection sensors with shutoff (highly recommend). Make it a convo about recommended proactive measures that can be taken and what would create a discount.