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Janis-Shunta Insurance

950 W. Norton #500
Muskegon, MI 49441

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Janis-Shunta Insurance Blog

Four priorities when you buy auto insurance

If you are a motorist in Muskegon, MI, you need to make sure that you have adequate auto insurance. Are you looking for an auto insurance provider? We can offer you the coverage you’re looking for at Janis-Shunta Insurance.

The following are four priorities when you buy auto insurance. 

Meeting legal requirements in Michigan

Your number one priority when you buy auto insurance is to meet insurance requirements in Michigan. In Michigan, you need to carry at least $50,000 per person per accident, up to a total of $100,000 per accident. 

For adequate coverage, you should invest in increased liability coverage to protect you financially if you are deemed responsible for accident costs. 

Including collision and comprehensive coverage on your policy

Collision and comprehensive coverage allow you to protect the value of your own vehicle. If you invest in these types of coverage, you will get repair costs for your own car covered after an accident. 

Investing in gap insurance if you have an auto loan

If you borrow money to buy a vehicle, you could end up in a position where you owe more on your auto loan than your vehicle is worth. In this situation, it’s crucial to have gap insurance covering any difference between how much you owe on your auto loan and how much you’re compensated for your vehicle in the event of a total loss. 

Choosing the right insurance provider

It would be best if you bought auto insurance from a reliable insurance company that offers good customer service. Do your research and make sure that your auto insurance provider is convenient to work with. This can save you from many headaches when you eventually have to file a claim. 

Let us insure your vehicle in Muskegon, MI. Call us at Janis-Shunta Insurance, and we’ll answer any questions you have about auto insurance coverage. We can also provide you with a quote on an auto insurance policy.

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.

Why basic auto insurance may not be the right choice

Basic auto insurance is the amount of auto insurance that the state mandates. It is the least amount that is legal to drive in Michigan. While basic insurance is right for some people, it may not be right for you. At Janis-Shunta Insurance in Muskegon, MI, our team of insurance professionals will work hard to ensure that you have the right coverage for you. 

Michigan law requires that you have liability insurance in the amount of 20/40/10 and also to have PIP coverage. This protects other drivers from you and also protects you from any physical damage that happens to you due to an accident. But what about your vehicle? If it is damaged, can you pay for the repairs or replacement on your own? If it might pose a problem, you need to have insurance that can do that. 


Collision coverage protects your vehicle from the damage your vehicle may sustain due to an accident. It can be with another car, with some other object, or as the result of a hit-and-run. You will need to pay the deductible before the insurance kicks in. 


Comprehensive auto coverage is often called non-collision coverage, even though it covers a collision with a large animal. Many weather events are covered, such as hail, flooding, and high winds. It also covers vandalism and theft. The deductible must also be met. 

Other coverage you can choose

Some types of coverage you may want to consider are:

  • Rental car
  • Full glass
  • Gap coverage
  • Roadside assistance

Give Janis-Shunta Insurance a call 

When you need to discuss your auto coverage, you can count on our team at Janis-Shunta Insurance in Muskegon, MI to provide the customer service you need. 

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.

Understanding Common Exclusions in Your Home Insurance Policy

No matter the cost or condition of your home, you need home insurance. It is a safeguard in an emergency and protects you from financial hardship if there is damage to your home. Sometimes it’s tempting to go for the most basic policy, but you may miss out on critical coverage, as many things are commonly excluded from home insurance policies. 

Coverage in the Event of Extreme Weather

We can control many things while maintaining our home, but the weather isn’t one of them. You may be surprised to learn that your policy might not cover earthquake, storm, and flood damage, even if you live in areas prone to these problems. Natural disasters are already devastating without dealing with the financial and logistical repercussions of not having full coverage. 

The Importance of Flood Damage Coverage

Flooding doesn’t just happen due to bad weather. While heavy rain and storms contribute, they can also occur due to leaks or issues with your plumbing, so you should always check that you have flood coverage, no matter what. 

Focus on the Add-Ons You Need for Your Property

Think about the add-ons you need. Remember, insurance is there to protect you in the event of the unexpected. Forecasting potential issues is crucial. Sometimes it doesn’t matter how well you look after your home; things age, break, and get damaged.

Expert Agents at Janis-Shunta Insurance in Muskegon, MI

At Janis-Shunta Insurance in Muskegon, MI, we know how complex the insurance world can be. Providing you with the best coverage is our focus, and we will work with you so you fully understand everything involved.

To learn more about Janis-Shunta Insurance in Muskegon, MI, call (231) 737-000 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. 

Four of the most important things you need to know about auto insurance

Being adequately insured with the right auto insurance policy gives you peace of mind behind the wheel. If you are a motorist in Muskegon, MI, you can rely on us at Janis-Shunta Insurance for auto insurance coverage.

The following are four of the most important things you need to know about auto insurance. 

Basic coverage won’t cover you for collision damage.

One of the most important things motorists need to know is that they have to add collision and comprehensive coverage to their policy for coverage for damage to their vehicle. 

A basic auto insurance policy meeting state minimum requirements only offers liability insurance. This type of coverage covers damages that policyholders cause to vehicles belonging to other parties out on the roads. 

Various add-on coverage types are available.

There are plenty of added coverage types that motorists can benefit from enormously if they have to file a claim. These include rental vehicle coverage, uninsured and underinsured motorist coverage, roadside assistance, and glass coverage.  

The vehicle you drive affects your premium costs.

The more valuable a vehicle is, the more expensive it will be to insure if collision and comprehensive coverage are included in a policy.

However, some policy discounts may be available when a motorist insures a vehicle with certain safety features like lane departure warnings and antilock brakes. 

You can choose between various deductible amount options. 

The deductible is the amount the policyholder has to pay to enjoy coverage when a claim is filed. Motorists can choose a higher deductible amount if they want lower premiums. They can choose a lower deductible amount if they want accident damages to cost them less. 

Let us meet your auto insurance needs in Muskegon, MI at Janis-Shunta Insurance. You can call us to answer your auto insurance questions and get a quote on an auto insurance 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.