One of the lesser-known types of liability insurance is umbrella policies. What many people don’t realize is that this coverage can be applied to multiple policies. Should an existing liability claim exceed the total cost, the umbrella policy can often step in. Our agents at Janis-Shunta Insurance in Muskegon, MI, go into greater detail below.

The Benefits of Umbrella Policies

The primary benefit of an umbrella policy is that it helps cover expenses surpassing any existing policy’s limits, meaning they can save you significant costs that you might be liable for. These are a few situations in which these policies can potentially help you.

Homeowner Liability Coverage

Homeowner’s insurance generally covers any injuries caused to guests on their property, but it may also offer some degree of average for off-site claims. People involved may bring about lawsuits or seek financial decompensation, which an umbrella policy likely covers (along with any legal fees you incur).

Renters Coverage

Umbrella coverage may cover any damage beyond your standard policy limits should you cause damage to your rental home and any damage you might cause to your neighbor’s homes. This additional coverage can help you pay others and your landlord.

Watercraft Insurance

Anything can go wrong on the water, and any losses, injuries, or damages resulting from an incident may surpass your watercraft or boat insurance. When your max coverage is exhausted, umbrella insurance can keep your head above water.

Auto, Motorcycle, and Recreational Vehicle Insurance

Should any accidents occur in your vehicle of choice, the damage you are at fault for could likely increase beyond what specific policies cover. This is where your umbrella coverage kicks in.

Protect Your Finances and Assets Today!

Umbrella liability insurance coverage varies, so you’ll want to choose the right policy that suits your needs and budget. Reach out to one of our experienced agents at Janis-Shunta Insurance in Muskegon, MI to discover more about how you can maximize an umbrella policy,

From weekend camping trips to exhilarating off-road excursions, Janis-Shunta Insurance in Muskegon, MI, offers a range of policies designed to protect you and your assets while partaking in various adventures. Whether you’re cruising on a motorcycle through scenic routes or embarking on a fishing expedition in uncharted waters, their recreational insurance plans are crafted to provide financial security and support when unforeseen events disrupt your leisurely pursuits. With Janis-Shunta Insurance by your side, explore the world with confidence, knowing that you are covered against potential risks that come with living life to the fullest.

What Does Recreational Insurance Cover?

Often overlooked by many, Recreational insurance offers comprehensive coverage for various leisure activities. This type of insurance typically covers vehicles like ATVs, motorhomes, and watercraft that are not normally included in standard auto or homeowners policies. What’s fascinating is that recreational insurance can also extend to cover personal belongings stored within these vehicles, providing an added layer of protection that many may not be aware of.

Recreational insurance also includes liability coverage for situations where you may be at fault for property damage or injury while using your covered recreation equipment. This aspect is crucial as it helps shield you from potential legal and financial ramifications that could arise in such unfortunate events. Overall, understanding the scope of recreational insurance and its various inclusions can significantly benefit individuals who regularly partake in outdoor adventures and seek peace of mind while enjoying their hobbies.

Contact Janis-Shunta Insurance in Muskegon, MI for Recreational Insurance

The professionals at Janis-Shunta Insurance are here to help you secure recreational insurance. Contact our office today to speak with a professional insurance agent and get homeowners insurance. 

In a world filled with ever-present uncertainties related to natural disasters, extreme weather, auto accidents, home invasions, and cyber theft, Muskegon, MI, residents are taking steps to shelter themselves, their families, and their valuables from the storm. 

Learn how local residents are protecting their most prized possessions from loss, damage, and theft from the local insurance experts at Janis-Shunta Insurance! 

Get Umbrella Insurance to Shelter from Michigan’s Unexpected Financial Storms 

Locals looking to beef up their insurance policies choose umbrella insurance policies to add more heft to their comprehensive auto insurance or home insurance policies, which can make all the difference when the unexpected happens. 

The financial fallout associated with mishaps on your property can devastate your finances without adequate insurance. Umbrella insurance offers extended coverages that boost your existing home or auto insurance policies to cover expenses related to personal injuries, property damage, and legal liability claims. 

Umbrella Insurance Offers Comprehensive Insurance Coverage for Modern Day Living 

We increasingly rely on digital devices like cell phones, tablets, laptops, and gaming systems. These internet-connected devices can store a wealth of personal data about our finances, private life, and personal preferences. 

A comprehensive umbrella insurance policy can help shield policyholders from modern-day threats like identity theft, data theft, and public data breaches, which can expose their financial information publicly.  

Get an Umbrella Insurance Quote from a Trusted Local Insurance Agent Near You

Savvy Michiganders are taking strides to protect their hard-earned assets and valuables. Please don’t wait until it’s too late to add adequate insurance protections for your belongings. Be proactive in protecting your home, auto, and business from life’s financial fallout. 

Contact Janis-Shunta Insurance and get an umbrella insurance quote today! 

If you’re a proud condominium owner in Muskegon, MI, renting your space to tenants, you must recognize how such activities affect your condo insurance. Janis-Shunta Insurance illuminates the potential risks associated with vacation rentals and the importance of securing effective coverage to protect your investment.

Your Condo: A Secondary Residence?

First, understand that a second home, including a condominium, has different insurance requirements. It’s critical that your insurance provider recognizes this as a secondary residence and enlightens you about coverage differences.

Leasing Your Condo to Acquaintances

Override your worries if you’re merely providing your condo for occasional use to friends or family. This infrequent hospitality is unlikely to alter your coverage parameters.

Transforming Your Condo into an Income Property

However, the scenario shifts significantly when your condo serves as a regular income source–whether in-state or cross-border. Rental properties, including short-term vacation rentals advertised on digital platforms, are governed by different insurance rules. Hence, it’s essential to keep your insurance company informed.

Insuring Your Income-Gaining Condo

If your property generates income, exercise caution when securing insurance. Protect your condo against theft and damage adequately, going beyond basic coverage. Janis-Shunta Insurance’s expert team is ready to assist you.

Reach Out for Condo Insurance

Regardless of your rental frequency or opting never to rent it out, Janis-Shunta Insurance can help you find great condo insurance deals in Muskegon, MI. We work to ensure your policy aligns with your mortgage company and homeowner association’s (HOA) set guidelines, thereby protecting your investment. Discuss your property’s future with us today.

Contact Janis-Shunta Insurance for condo insurance assistance in Muskegon, MI, today.

Many residents of Muskegon, MI enjoy recreational activities that involve vehicles. Whether it’s an ATV, boat, or snowmobile ride that’s the favorite, having the right insurance is crucial for peace of mind. Here are some of the different recreational insurance options that are available for these types of fun vehicles.

RV Insurance

Recreational vehicles (RVs) are a popular choice for exploring the great outdoors around Muskegon, MI, and in other states. Given the investment an RV represents, having insurance against damage is essential. So are liability protections in case something happens on the road.

RV insurance can cover various aspects, from collision and liability to personal property inside an RV. 

Boat Insurance

With the beautiful waterways around Muskegon, boating is a favorite local summer pastime. Boat insurance policies may protect against damages to a boat itself and offer liability coverage for any injuries or property damage caused by the boat.

Coverage options and costs can vary based on the type and size of the boat, as well as the waterways it is used in. At Janis-Shunta Insurance, we can ensure you find the right policy and protections for your type of watercraft.

ATV Insurance

All-terrain vehicles (ATVs) provide easy access to the rugged outdoors near Muskegon, MI. ATV insurance typically includes protection against damages to the ATV and liability coverage in case of accidents causing injury or property damage.

Snowmobile Insurance

Snowmobile insurance is important for covering potential risks like collisions when snowmobiling during winter. It also usually has liability protections if someone is injured or property is damaged during the use of the snowmobile.

Get the Recreational Insurance You Need

For help getting recreational insurance for any of these toys you might use, contact us at Janis-Shunta Insurance today.

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.

Condo insurance can be confusing in Muskegon, MI. Unlike regular homeowners insurance, individual condo insurance probably doesn’t cover the physical building. It can be confusing where your responsibility ends when it comes to liability. At Janis-Shunta Insurance, we enjoy helping our clients learn how condo insurance can protect them.

Here are the three basic kinds of condominium coverage:

• Damage to the physical building: Most people who own a condo share at least part of the physical space with other units. Even if you live in an area where the units are separated, there is likely at least some common shared space. A clubhouse or pool may be part of the shared space. As an individual condo owner, you are not personally responsible for those areas. The condominium association should have its own coverage for shared areas, including the shared floor, ceiling, and walls.
• Damage to your personal possessions: Anything you own and keep in your condo is part of your personal property. This may include carpeting, curtains, furniture, and small and large appliances. It also includes clothing, books, electronics, and other personal items.
• Personal liability for any injuries that occurred as a result of being on your property: Besides covering your personal property, your individual condo insurance will protect you in cases of personal liability. For instance, someone could visit you and trip and fall in your condo. Your insurance will help protect you if you are sued for those medical bills. 

The most important thing to keep in mind is that your coverage protects you within your four walls, while the condo association is responsible for the rest.

If you have a condo in Muskegon, MI, it is important that you have the right kind of protection. Call Janis-Shunta Insurance today so we can give you your options.

It is that time of year when most people want to be outdoors and have fun in the sun. Our agents at Janis-Shunta Insurance serving the Muskegon, MI area want you to have the peace of mind you deserve while having fun outside. One way to achieve this is by having adequate recreational insurance.

What is Recreational Insurance?

Recreational, or specialty insurance, includes various policies that protect activities and vehicles with the appropriate amount of insurance while you are involved in recreational activities. Whether heading up the side of a mountain on an ATV or heading out on the water on your jet skis, you will want the appropriate insurance policy.

Types of Recreational Insurance

ATV and Off-Road Vehicle Insurance

ATV (all-terrain vehicle) and off-road vehicle insurance provide coverage for vehicles that are used for recreation, such as off-roading, hunting, and even trail riding. This type of policy normally covers damage from an accident or some other event and liability coverage for medical payments if there is an accident.

Golf Cart Insurance

Before you hit the golf course, make sure you have an insurance policy for your golf cart just in case of an accident.

Snowmobile Insurance

While some people have more fun during warm weather, others want to head outdoors in the wintertime for some recreational activities. One of those activities can include snowmobiling. If this is your thing, be sure to have a snowmobile insurance policy in place in case you have an accident or your snowmobile becomes damaged some other way.

Contact Janis-Shunta Insurance

For all your insurance needs, including recreational insurance, contact our agents at Janis-Shunta Insurance, serving the Muskegon, MI area, today!