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Muskegon, MI 49441

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Janis-Shunta Insurance Blog

Does Condo Insurance Protect Against Storm Damage?

Whether you own or rent, a condo combines some of the best aspects of a large space for yourself and living in a more central location, like downtown Muskegon, MI. While owners and renters have different types of insurance policies, Janis-Shunta Insurance has general answers that will help both.

What Type of Damage Did the Storm Cause?

This question is the first step to determining if your insurance policy will cover the damage.

If a storm brings heavy rains that flood the area, then neither condo nor renters insurance will cover the damage. Flood insurance is a special type of insurance that is managed on a larger scale since floods can be devastating to a wide area. Both owners and renters can purchase flood insurance to cover that risk. A mudslide caused by water-logged ground falls under another type of insurance for earth movement, so typical condo or renters insurance won’t cover it.

Otherwise, water damage from the storm may or may not be covered. With specific examples and an existing insurance policy, we at Janis-Shunta Insurance can work towards finding a clearer answer for you.

Fires sparked by a thunderstorm are likely to be covered by an insurance policy, but circumstances may change the outcome. Two of the more common exceptions to fire damage coverage are arson and acts of war, and a thunderstorm is neither. The details of your policy and other factors will also weigh on the claim decision.

For colder storms, hail damage coverage can be part of a standard insurance package, but that changes depending on the area and the individual provider’s plan structures. Muskegon, MI is no stranger to hail, so that might influence whether it’s included. Other ice and snow damage will usually be covered as long as you take reasonable steps to prevent damage.

Michigan Auto Insurance: Winter Driving Tips to Stay Safe and Avoid Collisions

Driving in Michigan winters is an adventure, and can be a scary one. The best winter driving tip for Muskegon, MI drivers is to stay home when the roads are bad. At Janis-Shunta Insurance, we know that isn’t always realistic.

Use these winter driving tips to stay safe and avoid collisions during winter driving conditions this year.

Maintain Your Vehicle

Keep emergency supplies in your cars such as a blanket, non-perishable food items, a flashlight, scrapers and brushes, and even warm clothing in the event of an emergency.

Make sure that your car has at least half a tank of gas in the car during the winter. You will go through more fuel in tougher conditions.

Have your fluids topped up weekly, and your oil changed regularly, and make sure your tires are always inflated and in good condition. Winter tires in Michigan are also a great idea.

Drive Slowly and Carefully

It’s common sense to drive slowly and carefully in winter, but too often, we don’t do it. We don’t want to be out there and want to get home or to our destination as quickly as possible. Be slow and careful.

Don’t use your cruise control in winter driving, as this could lead to skids.

Don’t brake when you are in bad weather. Instead, accelerate and decelerate as slowly as possible. Braking on ice could cause a problem you can’t undo. Keep your heel on the floor if you do need to brake sharply.

Keep Your Distance

Keeping a safe distance is an excellent habit to get into for winter driving. You will likely see other drivers on the roads in winter doing the same. Follow suit, and keep your distance. When you need to brake or exit, you will have plenty of room to do so.

Update Your Michigan Auto Insurance

When you are driving in the winter in Muskegon MI, you want to take every precaution. Go slow, keep your distance, and keep your car maintained. You can also update your auto insurance and add on elements such as Roadside Assistance to stay confident on the roads. At Janis-Shunta Insurance, we want you to have every coverage you need. Call us for a quote today.

When Should I Review My Condo Insurance?

Condo insurance, also known as HO-6 insurance, while not legally required, is often required by the HOA and mortgage provider. It’s worth periodically reviewing your coverage to make sure you are adequately protected. 

Review When:

  • Moving in is a good time to take a home inventory and assess your coverage needs. 
  • After a major remodel, you may wish to review your coverages. 
  • Expensive purchases may need protection beyond usual limits.
  • Before you travel or relocate for a while, consider a vacant or unoccupied policy.

 

What’s Included?

There are four basic types of coverage included in condo insurance:

  1. Liability and medical payments: If an injury happens to a visitor in your unit, this coverage can pay medical bills and cover legal expenses if you are sued. It can sometimes cover animal bites or damage you accidentally cause to another’s property. 
  2. Personal property: There are two primary types. Actual cash value pays current value even if it’s less than the original purchase price; this is the more affordable option. There is also replacement cost, which pays out based on the current average cost to replace. 
  3. Loss of use: If displaced for repairs during a covered claim, this can pay for a hotel, meals, and laundry for the duration. 
  4. Dwelling/Building property: This varies depending on what your HOA carries with the condo’s master policy. Through your HOA, you may have coverage as follows:
    1. All-in/all-inclusive covers all items built into your unit, including upgrades. You would not necessarily need to pick up additional coverage to protect your appliances and fixtures.
    2. Single entity covers only fixtures original to your condo; your upgrades would not be covered. 
    3. Bare walls include only the walls, floors, and ceiling.  
  5. Optional coverage: This can include flood, vacant or unoccupied coverage, identity theft coverage, and water backup coverage. 

When you are ready to ensure your Muskegon, MI condo is adequately protected, call or stop by Janis-Shunta Insurance today. We can help you find the best policy to fit your needs.

Umbrella Insurance Policy – A Must-Have for Both Small and Large Business Owners

If you are a business owner, you must be familiar with the risks and uncertainties of running a business. It’s vital to get total insurance coverage for your business, and an umbrella insurance policy helps cover any gaps left in basic liability insurance policies. If you are looking for extra coverage for your commercial business, Janis-Shunta Insurance can help. We are a full-service insurance provider serving the residents of Muskegon, MI.

Is Umbrella Insurance Necessary For Businesses?

Umbrella insurance policies step in to complement other policies where coverage limits are exhausted. Commercial umbrella insurance covers similar costs like liability insurance for businesses, including attorney fees, medical expenses, and damages from lawsuits. Unanticipated things happen all the time, and it may not be possible to estimate how much coverage you need for these uncertainties. Umbrella insurance offers small and large businesses an extra layer of financial security on depleted coverage.

Small Businesses And Umbrella Insurance

Most business owners make the mistake of thinking only large businesses need additional coverage when basic policy coverage is depleted. Businesses of any size are prone to risks, and without extra capital on hand in emergencies, even small businesses could use the help. It is a better option for raising limits on existing insurance policies as you can expand the coverage across many policies and under one umbrella.

The Costs For Umbrella Insurance For Small And Large Businesses

The cost of an insurance policy for commercial purposes depends on the nature of the business, your claims history, and the limits bought. As such, large businesses with greater risks pay more for an umbrella than small businesses with low risks. The policy is inexpensive, especially for small businesses, and a worthy investment for large business owners.

Umbrella insurance acts as a surplus coverage for small and large businesses, and it comes into effect when basic liability policies can’t cover an outstanding financial liability. If you want to keep your business protected with umbrella insurance, let Janis-Shunta Insurance help. Contact us for your business’ umbrella insurance plan in Muskegon, MI.

Recreation Insurance Explained

Recreation Insurance Explained

Any outdoor recreation company in the Muskegon, MI area needs recreation insurance, a type of general liability insurance that protects businesses when individuals incur bodily injury or property damage from their operations, equipment, or products. Janis-Shunta Insurance wants you to understand how this necessary insurance covers your business from loss.

The term outdoor recreation company applies to any company operating leisure, sports, recreation, or outdoor business. That means everything from canoe and kayak rentals to a rock climbing wall needs this type of insurance. Outdoor tour guides of any type and rope courses fall into this category, too.

How Does Recreation Insurance Fit Many Businesses?

Rather than a one-size-fits-all policy, we tailor these policies to fit your business’s needs. This customization lets us serve each unique sport or recreational activity without requiring any coverage the business would not need.

When an accident happens, your company becomes legally liable for the injuries caused during participation in your business activities. This includes indemnification, punitive damage, and legal fee costs. To properly protect your business, your recreational insurance policy can include the following types of coverage:

  • Accident Medical,
  • General Liability,
  • Inland Marine,
  • Inland Marine,
  • Professional Liability,
  • Property Insurance,
  • Umbrella Coverage.

Insurance That Grows with Your Company

Since a recreational policy gets customized, you can easily scale its coverage. Let’s say that your business starts out renting canoes and kayaks, but you decide to expand it to also rent bicycles and tandem bikes. You would need to add to your policy and that is easy to do since you can simply call us to add new coverage. The same is true of scaling the opposite way. You might only rent jet skis, for example, during summer. You can drop that coverage when you don’t need it.

Call Janis-Shunta Insurance today to learn how recreation insurance can protect your Muskegon, MI business.

Are Damages From Road Hazards Covered Under Auto Insurance?

Some road hazards can jump out of nowhere and are completely unavoidable. Unfortunately, when Muskegon, MI roads have those unexpected hazards, accidents can occur with vehicle damage and injuries. Determining if your auto insurance covers damage to your vehicle from a road hazard depends significantly upon your insurance coverage, what the object was, where it came from, and the damage caused. 

Learn more about insurance coverage options by calling the agents at Janis-Shunta Insurance. 

Comprehensive and Collision coverage

Those who carry comprehensive and collision coverage in their auto insurance policy have coverage should their vehicle get damaged. However, all expenses get paid out after the applicable deductible is subtracted from repair and replacement costs. 

Objects Lying on the Road

Sometimes objects fall off trucks or blow into the road. When this happens, they can cause unavoidable accidents with drivers who cannot swerve out of the way or do not see the object in time to stop. When striking an object lying on the road, the driver that struck the object is responsible for paying for the damages and filing an insurance claim. However, if the owner of the fallen thing is identifiable, they may be responsible for the damage caused to the vehicle. 

Flying Objects

An object moving at the time of the accident is considered a flying object. Therefore, the damage is covered under your comprehensive car coverage in your auto insurance policy. Flying objects can include falling rocks or kicked-up debris. As with objects lying in the road, if the person responsible for the flying object is identified, they would be accountable for the damage. If they cannot be identified, the driver would be responsible for the damage to their vehicle. 

Muskegon, MI drivers know there is a risk of encountering road hazards while out driving. To learn more about road hazards and insurance coverage, call the experts at Janis-Shunta Insurance today. 

How Does Condo Insurance Work?

If you live in a condo, there is an insurance policy that you must have as the owner of the home. A condo insurance policy contains a number of different types of coverage that are all helpful. If you don’t have your condo policy yet, give us a call at Janis-Shunta Insurance in Muskegon, MI to find out more. 

Dwelling Coverage

Like home insurance, condo insurance covers the dwelling that you are living in. However, unlike home insurance, it doesn’t cover that entire dwelling. It only covers the specific parts of the condo that you own. This generally excludes the outside portion of the condo. It may also exclude the inside portion of the outer walls. For others, it includes the systems inside the walls but does not cover the outside of the walls. If you have improved the outside of the property, you will likely need to ensure that portion as well. 

Possessions Coverage

As with home insurance, your possessions are all covered by your condo insurance policy. The coverage will pay for many items that are destroyed in an accident or disaster so that you don’t have to begin again without any belongings. When you have condo insurance, it is a smart idea to take photos or videos of what you own so that you can prove they were thereafter they have been destroyed or ruined. 

Liability Coverage

If a third party were to enter your condo and then get injured or become sick, your condo insurance will pay those medical bills that you as the owners are liable for. This is coverage that no property owner should ever be without, as medical bills can be extremely high. 

Get Condo Insurance

If you need condo insurance, or you want to switch providers, contact us today at Janis-Shunta Insurance in Muskegon, MI.

Home insurance buying tips for first time homeowners

Buying home insurance in Muskegon, MI may not be as exciting as buying the home itself, but that doesn’t change the fact that it’s a critical policy to have. Home insurance is designed to protect you, your family, and your investment if the unexpected occurs. If you have already decided to buy home insurance but are not sure how to go about it, you’re in the right place. In this article, Janis-Shunta Insurance will explain a few tips to get you in the right direction.

Assess Your Needs

Before you begin your shopping, make sure you know your home insurance needs. First, do little research to determine the average cost of insuring a home in your area based on the size and location. Next, calculate the price for rebuilding and know the value of your possessions. Lastly, create a priority list of the coverages and terms you would want to be included in your home insurance policy.

Shop Around

Like any other item in the market, don’t just shop blindly. Instead, use your priority list to determine which companies offer what you need at relatively low rates.  Most insurance companies in Muskegon, MI will generally have similar items but charge different rates based on your insurance needs.

Read and Understand Your Policy

Don’t sign anything if you don’t understand what is written. Read the terms and conditions provided by the insurance company, and if you have any questions, ask before signing. Let your insurance company explain the entire process of filing an insurance claim and what is covered in your policy. Take your time to read, fill forms, and sign where necessary. Remember, your home insurance policy is equally important as it is supposed to protect your home and loved ones. 

Your home is a valuable investment; you should protect it with enough home insurance. If you’re not sure which company to approach for your home insurance needs, Janis-Shunta Insurance is here to take away your worries. Call us today!

Recreational Insurance Protects Your Family

When it comes to outdoor fun and recreation, fewer places in the country have more to offer when it comes to adventures in nature than we do here in the Wolverine State.  For that reason, you should consider the advantages of getting recreational insurance from a reputable agent you can trust before you put the finishing touches on loading the family RV.  Serving the greater Muskegon, MI with pride and distinction from three locations, Janis-Shunta Insurance has answers for your recreational insurance needs.  

How Recreational Insurance can Protect you in Muskegon, MI

What is recreational insurance?  Unlike many who may believe that such coverage is designed to protect their RV vehicle, the reality is different.  Specifically, recreational insurance in the greater Muskegon, MI area is designed to protect the bevy of toys we bring into the wild, whether that be ATVs, campers, boats, jet skis, and more.

Recreational insurance policies will often be attached to either a homeowner or auto policy, and our trained representatives will be more than happy to sit down to discuss each option, its ramifications for your overall insurance picture, and the best way to ensure that you have interlocking coverage regardless of any given situation.

In short, if you have questions, we have answers, and our friendly team of Janis-Shunta Insurance agents are looking forward to the opportunity to gain your trust and business here in Muskegon, MI.

Serving the Greater Muskegon Area with Pride

Our team of brokers and agents here at Janis-Shunta Insurance has an array of details, policies, and information to help craft an insurance policy that protects you without coverage gaps that can get the expert advice you need to make an informed decision regarding your insurance needs.

Umbrella Insurance for Busy Sporting Complexes

Many Muskegon, MI sports complexes have found themselves suffering from unnecessary and unfair lawsuits and felt unsure of where to get help when they impacted them. Thankfully, we at Janis-Shunta Insurance can help you find an umbrella insurance policy that may help you. These policies are an excellent option for those businesses that may be the most impacted by unnecessary lawsuits.

Ways Umbrella Policies Help

Umbrella insurance policies are a type of extended liability policy that helps pay for issues triggered at a business. They come into play when your regular liability policy has been paid, and you still have money owed to a plaintiff. At a sports complex, where injuries and other problems are common, a good umbrella insurance policy will:

  • Protect against excessive liability claims 
  • Cover problems caused by sports complex issues
  • Provides long-term coverage for sports centers
  • Manages serious problems triggered by unsafe athletes

As a result, athletic compounds need to consider adding umbrella insurance policies to their coverage level seriously. Doing so will help them to avoid long-term complications and keep them from getting into serious financial troubles. Make sure to do a little careful research before you buy a policy, as well, to ensure that you find the best option for your needs.

Things to Look For in a Policy

When seeking out an umbrella insurance policy for a sport’s facility, it is crucial to look for a variety of different elements, including:

  • Coverage for serious injuries
  • Liability help competing athletes
  • Protection against unlawful lawsuits
  • Diverse and precise coverage option
  • Capable and robust policy types

All of these simple concepts help Muskegon, MI sports complexes avoid severe long-term consequences. So if you need an umbrella policy and aren’t sure where to turn, please contact us at Janis-Shunta Insurance to get the help that you need to avoid serious lawsuits.