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Janis-Shunta Insurance

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Muskegon, MI 49441

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Janis-Shunta Insurance Blog

What Does Recreational Insurance Cover?

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!

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.

The difference between a condo unit policy and a condo master policy

Regarding condominiums, you should be aware of two types of insurance policies: a condo unit policy and a condo master policy. At Janis-Shunta Insurance, we want all Muskegon, MI area condo owners to know the difference.

A condo unit policy is designed to provide coverage for your individual unit and its contents from any damages or losses caused by events such as fire, theft, vandalism, and other perils listed in the policy. This type of policy usually covers liability for any injuries incurred on the property and personal property. 

On the other hand, a condo master policy provides coverage for common areas shared by all owners in the building—this includes the building structure itself, elevators, stairways, lobbies, and hallways. This type of insurance also covers liabilities from accidents that occur within these common areas. 

Both types of policies are essential in providing adequate protection for personal property and potential liabilities. It is important to understand the differences between a condo unit policy and a condo master policy to get adequate coverage for yourself and your family. You don’t want something to happen only to find out you are not covered.

For more information or to explore a condo policy, call us at Janis-Shunta Insurance today. We proudly serve the Muskegon, MI area and would be happy to help you find either a unit policy to protect you or a master policy from serving your whole building. Either way, we will ensure the policy meets your needs and your budget. So don’t wait! Give us a call today.

What Can You Protect With Recreational Insurance?

Do you enjoy outdoor activities? Are you the proud owner of recreational vehicles such as boats, RVs, motorcycles, or ATVs? Then it is imperative to protect them with recreational insurance. Janis-Shunta Insurance, located in Muskegon, MI, provides comprehensive recreational insurance coverage to help protect your toys. Discover more about what’s protected with recreational insurance and why it is crucial to have adequate coverage.

Boats and Watercraft

Boating is a popular recreational activity in Michigan but can be risky without proper coverage. Boats and watercraft are susceptible to accidents, theft, and damage, which can be expensive to repair or replace. With RV insurance, you have protection for your boat, jet ski, or other watercraft against these types of losses.

RVs and Motorhomes

RVs and motorhomes are like a home away from home, providing comfort and convenience while traveling. But just like your primary residence, they need to be protected from damage and theft. Recreational insurance offers coverage for your RV or motorhome against accidents, theft, and natural disasters and offers liability coverage.

Motorcycles and ATVs

Motorcycles and ATVs are popular recreational vehicles that are expensive to repair or replace if damaged or stolen. Often they are left out in the open, leaving them susceptible to the outside elements and dangers like someone driving off with them. Recreational insurance will give you coverage for your bike or ATV against unexpected damages, crashes, or if it’s stolen. It also includes the necessary liability coverage.

Reach Out to Our Team

As a responsible owner of recreational vehicles, it is crucial to have adequate insurance coverage. Janis-Shunta Insurance, located in Muskegon, MI, will help you find the right recreational insurance coverage for whatever equipment you have. Don’t risk losing your investments due to accidents, theft, or other unexpected events. Contact us today to learn more about the different types of policies and get the right coverage for your needs.

How Umbrella Insurance Works

Having home and auto insurance policies may not be enough when you want to be well-insured. These policies can offer much protection but can come up short in some areas. To give yourself more protection, there is umbrella insurance. If you’re interested in this complimentary insurance coverage, call us at Janis-Shunta Insurance in Muskegon, MI.

What Is Umbrella Insurance?

Umbrella insurance is a type of coverage that works alongside other policies that you also have. It works with your auto and home insurance policies to boost the amount of coverage that you have in each of these policies. It does this by boosting the amount of liability coverage that is in both. Liability coverage is what you need to pay for another person’s medical bills or damages when you are at fault for an accident. The problem is often that there isn’t enough liability coverage in these policies to pay for an expensive accident. This can mean you have to pay the overage left over after your home or auto policy has reached its maximum. 

A Higher Maximum

Umbrella insurance policies are known for their very high maximums. If there is an overage after your home or auto policy has maxed out for your claim, your umbrella insurance can pay that overage. The high maximums of umbrella insurance policies ensure you can pay for a serious accident that costs a lot in medical bills, damages, or both. It’s a good idea to have this type of policy so that you know you’re protected financially in case of a costly accident. 

Get Your Umbrella Policy

It’s less expensive to get an umbrella policy than it is to add coverage directly to both of your other policies. Call us at Janis-Shunta Insurance in Muskegon, MI to get your policy. 

Keep Your Condo Safe with These Simple Tips When You’re Away

Leaving your condo unattended can be a nerve-wracking experience. No one wants to return home to find out that their prized possessions are gone or that something happened in their absence. Fortunately, there are many proactive ways to keep your Muskegon, MI condo safe when you’re away. With just a few simple steps, you can rest assured that your home and belongings are safe until your return. Read on for some helpful safety tips from Janis-Shunta Insurance when you’re away from your condo.

Invest in Security Equipment

Investing in security equipment can help protect your condo when you’re on vacation by deterring potential burglars or intruders. Motion-activated cameras and alarms can alert you to suspicious activity, while locks and deadbolts can provide an extra layer of protection. A monitored security system can also provide peace of mind that your condo is being watched while you are away.

Use Timers to Automate Home Systems

Using timers to automate home systems when you’re on vacation can help protect your condo by making it appear that someone is at home. You can do this by setting the lights and other electronics on and off at specific times throughout the day, simulating a regular daily routine. This can deter potential burglars looking for an empty home to target. Additionally, you can use timers to control home security systems, enabling them to be activated while you’re away.

Have a Trusted Neighbor or Friend Check In

Having someone you trust to check on your condo while away can help protect your property in several ways. First, they can keep an eye out for any suspicious activity, such as people loitering around the building or unfamiliar vehicles in the parking lot. They can also keep an eye out for any issues that may arise with the property, such as plumbing or electrical problems, so that they can be addressed quickly and efficiently. Finally, having someone check on the property regularly can deter potential burglars, as it will be more difficult for them to break in if someone is actively monitoring the area.

Janis-Shunta Insurance of Muskegon, MI understands the unique needs of condo owners. Whether you are new to condo ownership or have owned a condo for years, we have the knowledge and resources to ensure that you and your investment are safe. With us, you can have peace of mind knowing that you are protected from any unexpected circumstances. Please reach out to us today to learn more about how we can help protect you.

How to Keep Your RV Safe in Winter Conditions

As the weather gets colder, many people wonder how to keep their RV safe in winter conditions. While there are a few different things that you can do to help your RV last through the winter months, here are some of the best tips to follow from Janis-Shunta Insurance of Muskegon, MI.

How to Prepare Your RV for Winter

The first thing you need to do is clean your RV inside and out. This will help eliminate any dirt, grime, or residue that could end up causing problems down the road. Once you have given your RV a good cleaning, you will want to ensure all the appliances are in working order. This includes the furnace, water heater, and any other appliances you may have in your RV.

After you have checked all the appliances, you will want to winterize your RV. This means adding antifreeze to all of the water lines in your RV. This will help prevent the water lines from freezing and bursting during winter. You will also want to disconnect the battery and any propane tanks that you may have.

Once you have winterized your RV, you will want to find a storage spot that is out of the elements. This means finding a place that is protected from wind, rain, and snow. You will also want to ensure the spot you choose is level, so your RV does not get damaged while in storage.

At Janis-Shunta Insurance, we specialize in RV insurance and are proud to serve the Muskegon, MI area. If you need insurance for your RV, please don’t hesitate to contact us. We’re always happy to help!

Three steps to go through when you purchase umbrella insurance

Umbrella insurance is an essential type of insurance coverage to carry for complete financial protection. At Janis-Shunta Insurance, we offer umbrella insurance coverage in Muskegon, MI. 

The following are three steps to go through when you purchase umbrella insurance. 

Determine how much coverage you need

One of the most important factors when you purchase umbrella insurance, is the amount of coverage you need. The coverage amount needed varies depending on the net worth of the individual consumer who is being insured.

It’s best to purchase enough umbrella insurance to cover the full value of your net worth. This will offer you total financial protection through your umbrella insurance policy. 

Research umbrella insurance providers

You’ll need to choose the best umbrella insurance provider. Consider the possibility of purchasing umbrella insurance from an insurance provider that you already buy insurance from. This might qualify you for a discount when you add another policy. Some insurance providers offer discounts to customers who purchase multiple policies from them. 

Get quotes on policies from several different umbrella insurance providers

Umbrella insurance providers will offer you free quotes on policies available to you. Getting a few different quotes on umbrella insurance policies allows you to compare your options.

Once you have a few quotes, you can compare policies based on price, coverage features, and the coverage amount. You can then decide which umbrella insurance policy you’ve been offered will provide you with good value while meeting your umbrella insurance coverage needs. 

If you have questions about umbrella insurance in Muskegon, MI, we’re here to assist you at Janis-Shunta Insurance. Call or email us today to inquire about our umbrella insurance policy offerings. 

How Condo Insurance Works

With the many risks that exist when you own a condo, it’s important to be protected with condo insurance. This type of policy comes with several different kinds of coverage rolled into one policy. These types of coverage will help you to be well-protected in the event of a damaging incident. When you need condo insurance, give us a call at Janis-Shunta Insurance in Muskegon, MI.

Covering Your Condo

Part of the coverage that you get in condo insurance is coverage for the dwelling. This covers the parts of your condo that you own. There are many areas of it that you don’t own, such as the outside portion of the outer walls. Sometimes, you don’t own the inside portions of the exterior walls. When you get your condo insurance, it will be for your unique condo. It will protect it against a wide range of damaging events that can require expensive repairs. 

Protecting Your Belongings

Another type of protection that condo insurance gives you is coverage for all of your belongings inside the condo. Your items, when added all together, are highly valuable, and you need the protection given by condo insurance for them. When an event destroys your belongings, your condo policy can pay for them to all be replaced so that you aren’t left without anything. 

Liability Protection

You are also protected against liability when you have condo insurance. Someone who becomes injured in an accident while on your property may have medical bills that you’re liable for. With condo insurance, those medical bills and other expenses get paid. 

Protect Yourself With Condo Insurance

When you own a condo and need to protect it, give us a call at Janis-Shunta Insurance in Muskegon, MI to discuss condo insurance. 

Understanding umbrella insurance

Muskegon, MI business owners rely on Janis-Shunta Insurance for their commercial insurance needs. If you are an owner in our community and would like to learn more about how umbrella insurance can help protect your company, give us a call today.

Understanding umbrella insurance

Commercial insurance is a great way to protect your company. Owning and operating a successful business is much more than a job! The dedication it takes to keep your business up and running day after day is a lot, so it only makes sense to protect your efforts.

Primary commercial policies have limits that can be exhausted over the policy’s life. Because of this, many business owners turn to umbrella policies to provide additional protection. 

You can have additional coverage if a significant loss exhausts your primary policy with this type of policy. There is no reason NOT to carry umbrella insurance to protect your company when you think about it. Without it, company assets can be seized, or principals can be held personally liable, depending on the structure of your company.

No one wants to experience a catastrophic event that depletes their primary policy and leaves the company and themselves on the hook. This can be avoided with a few smart decisions and the right policies in place. Now is a great time to review your commercial insurance and ensure you have what you need.

Call and schedule your consultation today.

Janis-Shunta Insurance is here for the Muskegon, MI business community. If you want to find out more about your commercial insurance options, you can rely on us. We would love the opportunity to work with you! Give our office a call today to schedule an appointment. You’ll be glad you did!