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Rural Mutual Insurance is one of the first insurance companies to add a new flood insurance option for homeowners policies. The option is a Limited Water Endorsement providing coverage for water back-up, sump pump overflow and flood.

Amy Jo Fischer, La Crosse area agent for Rural Mutual, said this is a big deal because her company is one of the first to offer it.

Many insurance companies offer coverage for sump pump and sewer backups, she said. But Rural Mutual is the first to offer coverag...