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Janis-Shunta Insurance

950 W. Norton #500
Muskegon, MI 49441

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Janis-Shunta Insurance Blog

Do I need umbrella insurance for extra protection on every policy, or does it cover everything?

Everything in life has risks. If you have assets, you can use insurance to lessen those risks. Whether you need insurance for personal reasons or for a Muskegon, MI small business, Janis-Shunta Insurance can help you explore your options to see how umbrella insurance can benefit you.

What Is Umbrella Insurance?

Umbrella insurance is just extra insurance that provides extra protection beyond what your regular policy offers. Unlike other types of insurance, you can use your umbrella policy for several kinds of coverage.

So, for instance, if you have a homeowners policy, an auto insurance policy, and boat insurance, you can use one umbrella policy to add protection in all those areas. The same applies if you are using an umbrella for your small business: you can add an umbrella policy that protects your commercial property insurance, general liability insurance, and other commercial insurance policies.

How Does Umbrella Insurance Work?

You cannot have an umbrella policy without an underlying policy. For instance, you will need an original auto insurance policy to get additional protection with an umbrella policy.

If you are found to be at fault in an accident, your auto insurance will pay out until you reach your policy limits. Your umbrella policy will kick in with additional coverage once you reach the maximum amount your policy allows.

Call To Discuss Your Options Today

Living and working in Muskegon, MI, has a lot to offer, and you will feel more secure if you know you have the protection you need. If you would like to discuss getting an umbrella policy or have additional questions about umbrella policies, please call Janis-Shunta Insurance today.