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Janis-Shunta Insurance

950 W. Norton #500
Muskegon, MI 49441

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Janis-Shunta Insurance Blog

Do You Need to Update Your Home Insurance Policy?

To keep your home insurance coverage up to date and get the best rate, there are times it’s necessary to update your home insurance policy. At Janis-Shunta Insurance in Muskegon, MI, we are happy to help you update your coverage or choose a new policy.

Improvements

The first, and most obvious reason to update your homeowner’s policy, is that you’ve made improvements to your home. If you have remodeled your home, replaced the roof, or added a new structure like a garage, it’s important to update your policy. Improvements can make your home more valuable, and you’ll want to make sure the insurance company has the updated worth of your home. Improvements like a new roof may result in a lower premium as well.

Security System

A security system can also result in a lower premium. An alarm system makes your home three times less likely to experience a break-in. They also result in quicker alerts and fewer damages in the event of a fire. 

Swimming Pool

Unfortunately, not all improvements to your home will lower your premium. A swimming pool presents an extra risk that could increase your premium. You’ll need to inform your insurance company to be sure you are covered in the event of an accident.

New Pets

Pets can also increase your premiums, particularly dogs. Your homeowner’s policy should cover the damages if your pet injures someone, but only if you inform them that you have a new furry addition to the family. 

If you are a homeowner in Muskegon MI, contact us at Janis-Shunta Insurance. We are happy to discuss a new or existing homeowner’s policy with you, and ensure that you get the right coverage for your needs. 

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.

What Are the Steps I Need to Take After an Accident

Being involved in an accident can be frightening. It’s important for residents in Muskegon, MI to know what steps they need to take if an accident occurs. The agents of Janis-Shunta Insurance can offer the guidance you need during a difficult time.

Move to the Side of the Road

The first thing you should do is move all vehicles to the side of the road. This will help to keep you safe until the police arrive.

Check for Injuries

Secure the scene and make sure to check for injuries. Even if there are no visible injuries, everyone should get medical attention. This is extremely important because many injuries don’t present themselves for several hours after the accident occurs.

Call 9-1-1

Someone needs to call 9-1-1 immediately after the accident. The sooner the police arrive, the sooner those who are injured will get the medical attention they need. 

Exchange Information and Take Pictures

While the police are filling out their reports, the drivers should exchange their personal information. This includes any insurance information as well. It’s also a good idea for you to take as many pictures as possible to document the scene at the time of the accident. This will be beneficial for you if the insurance company has any questions.

At Janis-Shunta Insurance, the agents can assist Muskegon, MI residents after an accident occurs. Making sure that you have everything you need after an accident occurs is very important when processing your claim. Knowing what to do after an accident will help your agent not only process your claim but protect you if a lawsuit is filed. Talk to your agent now!

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.

Do Landlords Need Home Insurance?

Homeowner’s insurance policies are typically geared toward homeowners who want to protect their own residences. But what if you’re a landlord who wants to protect the property you own but don’t necessarily live in? Do you still need home insurance?

The short answer is "yes." However, the policies you will be looking at will be most often referred to as "landlord insurance" rather than a typical homeowner’s policy. Likewise, your policy will be focused more on covering the building itself, the surrounding property and any structures (sheds, garages, etc.) that may be on it. 

What Landlords in Michigan Need to Know

As of 2018, the state of Michigan now requires both landlords and their tenants (renters) to have insurance. This is because neither should rely entirely on the other party’s insurance policy. While your landlord insurance will cover the general property itself and help protect you from losses and liability claims, your tenants’ renters insurance policy will help protect their personal possessions and help protect them from their own liability situations. 

Naturally, there is no "one size fits all" insurance policy for landlords. The amount of insurance coverage you need as a landlord will depend on the type of property itself, particularly when it comes to size and the amount of units/tenants within. Be sure to ask our insurance experts at Janis-Shunta Insurance in Muskegon, MI about all your specific concerns and coverage needs. 

What if I Want to Start Renting Out My Home to Tenants?

If you want to start renting out your personal residence to tenants, you will still need to get a landlord insurance policy. After all, your insurance will cover you in a wide variety of liability situations that may only affect landlords, such as wrongful eviction cases or property damage that may affect tenants. 

Have questions or simply want to learn more about your landlord insurance coverage options in the Norton Shores or Muskegon, MI area? Contact us today at Janis-Shunta Insurance! We’re ready to help you find a policy that suits your needs. 

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. 

Auto Insurance for Beginners

Understanding auto insurance policies can be daunting. Learning the basics can make it easier to go through when you start searching for policies. Once you know the basics, you’ll be able to sift through your policy with a better perspective. In Muskegon, MI, Janis-Shunta Insurance is equipped with expert agents that are ready to help you navigate your way through an auto insurance policy.

What is Auto Insurance?

Auto insurance gives you protection for just-in-case situations. You may never need it, but you’ll be glad the insurance is there if you ever find yourself involved in an accident. There is certain insurance coverage that is required based on your state, and if you live in Michigan, you must have a no-fault insurance policy that protects you from being sued in certain circumstances.

What is No-Fault Insurance?

No-fault insurance is mandatory in Michigan and it is required by law. This type of coverage includes three basic sections.

  1. Personal Injury Protection (PIP) — is coverage that pays for medical expenses. This policy has no limits. 
  2. Personal Property Insurance (PPI) — will pay up to $1 million if you damage someone’s vehicle or other property.
  3. Residual Liability Insurance (RLI), also known as Bodily Injury and Property Damage Liability — acts as insurance that starts when you are sued. There are several ways that you can be sued where you will need an RLI: You have an accident that results in someone’s death, your accident was with someone who is not from Michigan, or you’re in an accident out of the state.

Whether you are in Muskegon, MI or in the surrounding area around Norton Shores, you should visit Janis-Shunta Insurance. There are expert agents that can offer you advice and information regarding auto insurance policies. You can also ask about home, commercial, life, and boat insurance. Contact our office for more information.

What Kind of Insurance Covers My Off Road Vehicles?

You take you dune buggy out on back trails of Muskegon, MI, and suddenly slide straight into an embankment. Although only your pride is injured, your bike needs new fiberglass fenders. This is covered in your recreational vehicle insurance, and your agent at Janis-Shunta Insurance can tell you how to file a claim.

Recreation Insurance Coverage

Recreational insurance includes collision coverage to help you repair damage to your vehicle — even if you hit the side of a mountain. It covers skid plates, helmets, and other accessories.

Recreational insurance applies to off-road vehicles, including:

  • Dirt bikes
  • Snowmobiles
  • Golf carts
  • ATVs
  • Dune buggies

Understanding Your Recreational Insurance

Recreational insurance has many of the same coverage types as your car insurance, such as collision, liability, medical, and uninsured motorists.

Collision coverage pays for repairs on your vehicle, as discussed. If you cause an accident, liability insurance covers property damage and bodily injury sustained due to the accident.

Comprehensive coverage can pay for covered perils such as vandalism, theft, fire, hail, or animals. For example, if you’re snowmobile is stolen from your shed, comprehensive coverage pays to replace it if it’s not recovered.

If you’re riding your ATV, a large rock or roots can throw you off, leaving you with a dislocated shoulder or worse. Your recreational insurance covers the medical bills if you’re hurt in a covered accident. An uninsured driver hits your golf cart, but don’t panic. Your recreational insurance includes uninsured motorist coverage and pays for your damages or injuries.

Contact Us

Contact Janis-Shunta Insurance with any questions you may have on recreational insurance. We want you to spend your time enjoying the trails and tracks in Muskegon, MI, not worrying about your coverage.

Worried about your insurance policy limits? Take a look at umbrella insurance

Most insurance policies have limits to the amount of coverage that they provide and when those limits are reached, it typically falls to the policyholder to take responsibility for any overage. If you are seeking a way to minimize maxing out your insurance, it’s time to take a look at an umbrella policy. The team at Janis-Shunta Insurance is here to advise the greater Muskegon, MI community about their umbrella insurance options. 

Umbrella insurance is an effective tool to protect from personal liability

The liability limits of your primary insurance policy may not always be adequate to provide the protection that you need. In order to protect yourself from personal liability, you may want to consider an umbrella policy. There are many advantages to such a policy, with the increased policy limits being the main one. If your business is in a litigious industry, or your home and belongings require additional coverage for adequate protection, an umbrella policy can fulfill this need.

An umbrella policy provides coverage that is over your primary policy and serves as a stop-gap when your primary limits are met or exceeded. If you are concerned that your main policy is insufficient, now is a good time to discuss your umbrella policy options with your local insurance agent. Don’t wait until a catastrophic event occurs to find out that you are under-insured. With an appropriate umbrella policy, you can shield yourself and your family from personal responsibility in the event that your primary insurance policy limits are reached.

Are you in the greater Muskegon, MI area and want to find out if you can benefit from an umbrella policy? Contact the team at Janis-Shunta Insurance today and set up a consultation to find out more.