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Janis-Shunta Insurance

950 W. Norton #500
Muskegon, MI 49441

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Umbrella Insurance: The Ultimate Supplement

While standard insurance policies provide a certain level of protection in and around Muskegon, MI, they may not always be sufficient to cover unexpected events or high-value claims. This is where umbrella insurance steps in as the ultimate supplement. Various factors make it the proper customization for customers nationwide. 

Comprehensive Protection 

Umbrella insurance provides an extra cushion of liability coverage that goes beyond the limits of your existing policies, such as auto or homeowners insurance. It acts as a safety net, offering broader protection against liability claims, including bodily injury, property damage, and personal injury. With its high coverage limits, umbrella insurance ensures you are adequately protected in the face of unforeseen circumstances.


Contrary to popular belief, umbrella insurance is often more affordable than many realize. Considering its extensive coverage, the premiums for umbrella policies are reasonable. By paying a relatively small premium, you gain access to a substantial range that can save you from significant financial loss.

Additional Coverage Scenarios

Umbrella insurance offers coverage in situations where your primary policies may fall short. An excellent example is if you face a claim that exceeds the limits of your homeowners or auto insurance, umbrella insurance kicks in to cover the excess amount. It can also protect against personal liabilities, such as defamation, libel, or slander, which standard policies may not cover. 

Flexibility and Customization 

Umbrella insurance policies can be tailored to meet your specific needs. You can select the coverage limits that align with your assets and potential risks. This customization allows you to ensure that you have the right level of protection in place.

How Janis-Shunta Insurance Can Help You

Here at Janis-Shunta Insurance, we can help you with the ultimate supplement of umbrella insurance. We handle areas all around the Muskegon, MI region. Contact us today.