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Janis-Shunta Insurance

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Muskegon, MI 49441

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Janis-Shunta Insurance Blog

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.

Why should I get condo insurance in Michigan?

If you live in the Muskegon, MI area and are looking for a new home, getting a condo is a good option. Those that own condos will enjoy the homeownership benefits without having the same maintenance obligations. If you do buy a condo in this area of Michigan, getting insurance is important. You need to get a condo insurance plan for a few reasons. 

Insurance is an Association Requirement

A reason that a lot of people will need to get a condo insurance plan when they are in Michigan is that it is a requirement that is set by the condo association. Most condo owners will be part of a home association that will have a variety of rules. One rule that needs to be followed is the requirement to carry condo insurance. In many cases, you will need to provide evidence of coverage at all times.

Insurance Protects Assets

Getting a condo is also a good idea as it will give protection for your investment and assets. Buying a condo is a major investment that you will want to have paid off in the future. Due to this, you should protect the investment as well as you can. A great way that you can do this is with a full condo insurance plan as you can get protection for the condo and your personal belongings.

If you are in the Muskegon, MI area, owning a condo can be a good option. When you are going to purchase a condo, getting the proper insurance is very important. Once you are ready to start looking for insurance, it would be a good idea to work with Janis-Shunta Insurance. The insurance professionals at Janis-Shunta Insurance understand the value that this coverage provides and they can help you build a quality policy. 

Why should I get recreational insurance?

In the Muskegon, MI area, owning a recreational toy can be a great idea. With a recreational toy, you will be able to enjoy the great outdoors of Michigan, which can provide you with a lot of fun and recreational options all year long. While a recreational vehicle is something that will provide you with a lot of fun, it is also a big responsibility that you need to properly care for. One way to do this is by getting insurance for it. There are several reasons why you should get recreational insurance.

Insurance Gives Liability Protection

One of the important reasons to get insurance for your recreational asset is that it will come with liability coverage. There is always going to be a risk that you could cause an accident and damage when using your recreational asset. If this does occur, you will want to ensure that you have the ability to pay for damages. With insurance, you will get the coverage that you need to pay for the damages.

Insurance Protects Assets

You should also get this insurance to ensure that your asset is protected. If your recreational toy is damaged or stolen, paying to repair or replace it could be very expensive. However, if you do get a proper insurance policy in place, you can receive the coverage that you need to replace it. 

It is always a good idea to get recreational insurance for your asset. When you are looking for a new asset, you should call the team at Janis-Shunta Insurance. If you do call Janis-Shunta Insurance, you can learn more about how this insurance can protect you. The team can then help anyone in Muskegon, MI get into a new policy that will provide valuable coverage. 

Who needs to carry umbrella insurance

Umbrella insurance is one of the most misunderstood types of insurance. Many people are not quite sure exactly what it is and who needs to carry it. The name umbrella gives an accurate visual of what the insurance does. It offers liability protection the same way that a physical umbrella protects against the elements. An important aspect of umbrella insurance is that it is not a policy that you can purchase unless you already have a primary policy that offers liability coverage. At Janis-Shunta Insurance in Muskegon, MI, we have the experience to help you to understand what an umbrella policy can do for you. 

So who needs to carry umbrella insurance? Anyone who has any assets can benefit from umbrella insurance. What it is in simple terms is excess liability insurance. If you are involved in legal action, someone suing you, it adds a layer of coverage to what you already have through your primary policy. What happens is your home or auto policy will pay any judgment and legal expenses up to the limit on that policy and then the umbrella policy will kick in.

You have worked very hard to accumulate the assets that you have. If you get sued for an amount beyond the limits of your primary policy and you don’t have an umbrella policy to protect you, you are responsible for the additional amount of the judgment out of your own pockets. Depending on how deep your pockets are, you could be forced to sell your assets and your future wages could even be garnished. Not something most people want to think about. An umbrella policy adds between one and five million dollars to your liability coverage. 

An umbrella policy is an affordable way to protect your assets. Call Janis-Shunta Insurance in Muskegon, MI to get a no-obligation quote. We can give you the peace of mind you deserve. 

Smart Tips for Increasing the Value of Your MI Condo

By making key upgrades to your Muskegon, MI condo, you can increase its value, especially if your upgrades help improve your condo’s appearance, function, and safety. Before renovating your condo, talk to your Janis-Shunta Insurance agent to see how remodeling will affect your condo coverage. The following upgrades will give your condo a fresh new look and add greater value.

Kitchen Remodel

Remodeling your kitchen will definitely add value to your condo, especially if you use high-end materials. Granite counters, designer cabinets, and contemporary lighting will create a whole new look for your kitchen while boosting your condo’s value.

Upgrade Major Appliances

For function and appearance, consider upgrading your condo’s major appliances. Modern, energy-efficient appliances will enhance the function of your kitchen while adding value to your condo. Old, worn appliances are not only unsightly, but they may also pose a fire risk to your environment. In contrast, matching, modern appliances will improve safety, simplify meal prep, and increase the value of your Muskegon MI condo.  

Increase Storage Capacity

Storage space is often sorely lacking in a condo. By adding storage space to your condo, you can increase your unit’s value. Expand closets, add new closets where needed, or look for ways to convert nooks into storage areas. Storage is a valuable commodity in any home, but even more so in a compact condo.

Upgrade Flooring

Never underestimate the importance of flooring in adding value to your condo. Old carpeting or outdated flooring can detract from the beauty of your abode. Upgrading to hardwood flooring or planks can make a big difference in your ambiance and raise the value of your home.

Don’t forget to add renovations to your condo insurance, so they’ll be covered along with the rest of your abode. To update your condo policy, contact Janis-Shunta Insurance.

Recreational Insurance: The Basics for Michigan Residents

Residents and adventure-seekers alike know that Muskegon, MI is a fantastic place to enjoy the outdoors. From miles of lakefront water to spacious parks, the region is the ultimate playground for outdoor enthusiasts! Whether you’re driving your dune buggy over the sand or riding your dirt bike on rocky trails, purchasing recreational insurance is definitely a worthwhile investment. Not sure where to start? The friendly and knowledgeable agents at Janis-Shunta Insurance in Muskegon, MI is eager to help!

Janis-Shunta Insurance has three locations, so agents are easily accessible in-person, online, or over the phone. When you choose Janis-Shunta Insurance as your provider, you will be working with a team of experts who are familiar not just with the insurance industry, but also of the Muskegon, MI region. They understand that recreational activities are a major part of life in the area and that it is important to protect your equipment.

Why should you purchase recreational insurance? Not only does having insurance gives you peace of mind, but it can save you money if unforeseen circumstances were to arise. Select policies that include medical coverage, collision coverage, and more. Contact Janis-Shunta Insurance today for a quote!

What are your options? You can choose from policies with basic coverage to comprehensive plans. No matter what type of policy you’re looking for or even if you don’t have the slightest idea where to begin your search, the agents at Janis-Shunta Insurance in Muskegon, MI will help you find the perfect recreational insurance policy for your hobbies and interests.

So why wait? Call or visit Janis-Shunta Insurance in Muskegon, MI today to get started with your recreational insurance plan!

5 Important Things Umbrella Insurance Covers

If you’re looking for coverage that goes above and beyond your current policies, you may be looking for umbrella insurance. This kind of policy is designed to pick up where other policies leave off, to increase the maximum benefits and protection levels offered by your insurance. If you live in or around the Muskegon, MI area, Janis-Shunta Insurance can help you find the policy you need for security and peace of mind. There are a lot of great things an umbrella policy can do. For example, there are important areas where it can extend coverage that may be needed. Here are five of those areas to carefully consider when looking for an umbrella policy:

1. Your home, if a claim goes beyond your homeowner’s policy.

2. Your car, if an incident extends beyond your scope of coverage.

3. Your boat, if its current coverage limits aren’t enough.

4. Your rental units, if you need strong liability coverage.

5. Circumstances not handled by other policies, such as slander, libel, and false arrest.

If you’re in or near the Muskegon, MI area, Janis-Shunta Insurance can help you find the right umbrella insurance policy for your needs. Not everyone needs or wants the same type of policy, but it’s very important to understand what works for your goals and situation. Then you can make an informed decision about your policy. Whether you have significant assets and want higher levels of protection, you’re a public figure who needs something beyond typical policies, or you’re just interested in making sure everything you have is thoroughly covered, we can help.

Reach out to us today, and we’ll work with you to find the right type and level of coverage for your situation and future goals. You don’t have to settle for worry about your protection level when you have us on your side.

3 Perks of Condo Insurance

Unlike a homeowner, folks that live in condos don’t own the building itself or the land that it is on. Instead, the homeowner or condo association will be insured through a master policy that protects the building itself, the common areas, and property for damages that occur in those areas. With that said, it is likely that your homeowner or condo association will not pay for damage to the interior of your unit to include storm damage, stolen property, or injuries to guests that may be visiting. There is good news – condo owners don’t have to be on the hook for these expensive damages and instead can have peace of mind through the purchase of condo insurance or HO-6 policy. If you are in the Muskegon, MI area, give Janis-Shunta Insurance a call and we’ll help answer any of your condo insurance-related questions.

Covers Damage not Insured by the HOA

Condo insurance will protect you from having to shell out cash for things like damage to the interior of your unit that is not the walls, floor, and ceiling. Additionally, coverage typically includes stolen property like furniture and electronics plus payment towards medical bills if a guest is hurt while at your home.

Affordable Cost

Although cost can vary widely depending on where you reside, for instance, New York City is likely to be more expensive than Muskegon, MI – condo insurance is a relatively nominal sum when you think of how much it can cost to replace stolen furniture or damages to a unit. At Janis-Shunta Insurance, we will work with you to find a plan that fits in any budget.

Loss of Use Coverage

If you are displaced from your home due to damage, condo insurance can help cover the cost of temporary living spaces while you find a new home or wait for your unit to be repaired.

Ways to Prevent an Accidental Fire in Your Condo

Owning a condo in Norton Shores or Muskegon, MI is something that several of our clients at Janis-Shunta Insurance enjoy for its lifestyle and condo community. Unfortunately, one accidental fire in a condo can destroy the property of several families, leaving them displaced and with expensive repairs. Below are three ways to prevent an accidental fire in your condo. 

Give the Space Heaters some space

If you want your condo to be extra cozy in the winter months with space heaters, make sure that you have these heaters away from any blankets or materials that could easily get too warm from the heater and start a fire. They need several feet of clearance around them so they can operate properly. Also, make sure that you turn these heaters off when you leave the condo. 

Blow out your candles

While candles are nice to have around when you are home and in your living space, they are not safe enough to leave alone through the night when you are sleeping or when you leave the condo unattended. Candles have been responsible for house and condo fires across the nation and should be watched with a careful eye. 

Is your wiring up-to-date?

This is especially true in older condos that may not have an upgraded wiring system. You should check your cords and outlets once a week to see if there are any signs of fraying or long-term burning on cords or outlets in your condo. These are premature signs of a burnout happening in your electrical unit, and could easily cause a fire in the near future. 

Get protection with condo insurance

If you are a condo owner living in or around Muskegon, MI without condo insurance, you need to give Janis-Shunta Insurance a call today for condo insurance options available.