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!

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.

Affordability

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.

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.

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.