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Muskegon, MI 49441

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Janis-Shunta Insurance Blog

3 Reasons to Upgrade Your Home Insurance

The start of a new year is an excellent time to review your home insurance. If you’ve made major changes to your home, received costly gifts, or altered your lifestyle since purchasing your policy, upgrading your coverage with Janis-Shunta Insurance will ensure you have the protection you need. Here are three reasons to update your policy in the New Year.

To Maintain Maximum Protection for Your Dwelling

Significant home improvements that enhance the appearance, function, or security of your home will increase its value. If you made such changes to your Norton Shores or Muskegon, MI home since purchasing home insurance, you might need to increase your dwelling insurance to match the new value of your home.  

Dwelling insurance should cover the cost of replacing your home in the event of total loss. Anything less could result in your paying thousands of dollars in rebuilding costs out of pocket. Upgrading your insurance ensures your home has adequate protection for the New Year. 

To Cover Costly Gifts or Purchases

If you received costly gifts over Christmas or purchased pricey electronics, these need to be added to your insurance policy to protect them from theft or damage. Including these items in your personal property coverage may require an upgrade to your plan. If the limits on your property insurance aren’t high enough to cover these items, you can obtain an insurance rider to protect these valuable goods.  

To Protect You against Lawsuits

If you added a pool to your home or adopted a dog, you may need to increase your liability coverage to protect yourself against lawsuits in case of an accidental drowning or dog attack. Liability coverage pays for injuries visitors may sustain while visiting your property, so you don’t have to dip into your savings to cover these costs.

To upgrade your home insurance or to learn more about insurance options and costs, contact Janis-Shunta Insurance in Muskegon, MI.

Does Home Insurance Cover Vandalism?

Homeowners take many measures to protect their investment and prevent financial losses as a result of accidents and unexpected events. The best way to protect your home from the unexpected is to purchase insurance coverage that will protect you from a variety of incidents. For example, if your home is vandalized, you need to know that your insurance will have you covered. 

Vandalism Coverage

Most quality insurance policies will cover your home in the event that it is vandalized. You must still be vigilant when purchasing insurance and ask your agent whether or not the policy includes vandalism coverage. Not all policies are the same, so always ask about different scenarios including vandalism. Also, inquire about protocol when submitting a claim to help expedite the process. 

Purchasing Home Insurance

Not all insurance is the same, which is why you need a skilled and knowledgeable agent working with you to help you get the coverage you need. If you are a resident living in or around the Muskegon, MI area, you can rely on Janis-Shunta Insurance to work with you closely to give you the results you need. We can help you build a policy that fits your lifestyle and protects your home and possessions from unforeseen events and covered perils.

If you would like more information about home insurance and what it covers, call or stop by Janis-Shunta Insurance. We serve residents living around the Muskegon, MI area. We can help prevent gaps in coverage that could mean financial losses in the event of a vandalism to your home. Don’t risk leaving your home unprotected. Get the peace of mind you need so you can rest easy knowing you are covered. 

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