Click to Call
Janis-Shunta Insurance

950 W. Norton #500
Muskegon, MI 49441

Get Directions

Janis-Shunta Insurance Blog

My Home Insurance: What is Covered and What isn’t?

Most people consider insurance policies a necessary evil. Though paying the premiums when they come due can be frustrating, it’s a great feeling to know you are covered if and when disaster decides to strike. Janis-Shunta Insurance in Muskegon, MI believes in being completely transparent when it comes to policies, premiums, deductibles, and coverages. You should be educated on some of the problems that may arise that are not covered by your homeowner’s insurance policy. 

  • Mold – Mold is a problem that can generally be prevented with proper maintenance and preparation. If you see moisture in an odd place, get to the source of the problem and fix it before it gets out of hand. While some insurers offer additional coverages for mold damage, most basic policies do not cover the nuisance. 
  • Termites – Another preventable problem that you can get ahead of is termite infestation. The damage these little critters can do over time is debilitating to a home’s foundation and structure. Having a pest control company inspect your property can ensure that your home doesn’t fall victim to the voracious appetite of termites. 
  • Nuclear Power Plant Accidents – There is nothing any homeowner can do to prevent a nuclear plant accident. Nonetheless, most insurance policies do not cover damage caused by one. The federal government’s Price-Anderson Act does help ease the pain by maintaining a multi-billion dollar pool to compensate citizens who have experienced sickness, injury, or property damage.

Hopefully, you won’t have to worry about any of these threats damaging your Michigan home. But, with a little bit of knowledge and some basic preventative actions, you will be prepared to take proper action if it does. Contact the agents of Janis-Shunta Insurance in Muskegon, MI for more information