Problem is what if your power goes off, which is often when you need the pump the most. Invest in a generator. Portable or whole house, but you need back up. I have two pumps, one on each side of the house. One has a backup battery, but both are hooked to my generator transfer switch. I have never had water in my basement and both my pits are bone dry, but I still worry given all the work I’ve done to my basement.

Sump pump failure insurance is lame because it’s limited to like $5k.

You are lucky, we have well and septic. No power, no water.

I’m not a fan of well and septic systems. No water bill, but components are expensive to replace, pump, tank, softener, etc. I personally don’t have iron issues and we have a good system, but replacing the septic system (and the mess that goes along with it) will far outweigh the quarterly water bill. Even though water is basically free, you can’t run multiple loads of laundry every day or take 10 min showers if you want your septic system to last. I’ll be happier i think when my next house is back on city water.

I feel your pain, hopefully it stops soon. I usually have my eyes glued to the radar when we have heavy storms. I’m surprised the Midwest has so much rain from a storm moving northwest, where does all that moisture come from? We get a lot of rain as moisture is pulled from the Gulf and the Atlantic. Worst we’ve ever had here is 8” over 2 days and I had no issues. 4” is usually the max. Sweaty palms though for sure and I don’t sleep well.