You're definitely not alone in that—insurance is one of those things people overlook until they're knee-deep in water at 2 AM (been there, done that...). Licensed doesn't always mean insured, unfortunately. It's smart you're asking upfront now; saves headaches later. Personally, I lean toward having a trusted plumber on speed dial rather than apps. Apps are convenient, sure, but when your basement's flooding, you want someone reliable who already knows your pipes and quirks.
I definitely agree about having a trusted plumber handy rather than relying solely on apps. Apps can be useful for quick fixes or price comparisons, but in emergencies, response time and familiarity with your home's plumbing layout are critical. One thing I'd add is to periodically verify your plumber's insurance status—policies can lapse or change without notice. I've learned the hard way that a quick annual check-in can save you from unexpected liability issues down the road...
"One thing I'd add is to periodically verify your plumber's insurance status—policies can lapse or change without notice."
Great point about insurance checks, something most folks overlook. I'd also suggest keeping a quick-reference sheet taped inside a cabinet door with shut-off valve locations...trust me, panic-searching at 2am isn't fun.
Good advice on the shut-off valve cheat sheet...but honestly, taping it inside a cabinet might not be the best spot. Had a client once whose kitchen flooded badly enough that opening cabinets wasn't even an option—water was gushing everywhere. Maybe keep a second copy somewhere higher up or away from typical leak points? I usually suggest sticking one near the breaker box or even snapping a quick pic on your phone. That way, if things get messy (and they usually do), you're not fumbling around in ankle-deep water trying to remember where you put your notes. Just my two cents from seeing too many midnight disasters...
"Maybe keep a second copy somewhere higher up or away from typical leak points?"
Good point, but honestly, in a panic, I'm not sure I'd even remember to check a cheat sheet. I just label valves clearly with bright-colored tape—cheap, easy, and no fumbling around when things go south...