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Muskegon, MI 49441

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Janis-Shunta Insurance Blog

How Muskegon, MI Residents Use Umbrella Insurance to Shelter from the Storm

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! 

Your Automotive Inspection and How It Relates To Your Insurance Coverage

A preliminary inspection of your vehicle should be conducted before you insure it. This inspection will reveal mechanical problems. It can also guide you in choosing the type of automotive coverage you need.

The Inspection Process

An inspection of your vehicle should be conducted professionally. The inspection process will determine any issues that could compromise your safety while driving. After the inspection is complete, you will be provided with a copy of the inspection report.

Keep this copy and refer to it as needed. Any issues that could affect your safety should be addressed promptly. The list below highlights some automotive issues that shouldn’t be ignored.

  • Broken glass
  • Engine failures
  • Leaks
  • Damaged tires
  • Faulty lights

Mechanical Records

Keep track of all the upgrades that are done while you own your vehicle. Safely store receipts for the automotive repairs that you seek. 

Security Upgrades

Consider ways to keep your vehicle safe. Installing surveillance equipment, for instance, could lessen the likelihood of your vehicle being stolen or vandalized. Increasing security could have a bearing on your insurance premium too.

Choose a safe, protected area to park your vehicle when it is not actively being driven. The area should provide your vehicle with protection from the elements.

Followup Inspections

Seek followup inspections at scheduled times. Each inspection will determine the current status of your vehicle. The results of each subsequent inspection may influence your decision to increase or decrease the amount of automotive insurance you are supplied with.

Conclusion

Contact an agent who serves the Muskegon MI region. At Janis-Shunta Insurance, our agents recommend insurance products that are suited for each of our clients.

 

Do You Rent Out Your Condo? What You Should Know.

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.

Home Insurance for Vacation Properties

Insuring Your Vacation Home: A Comprehensive Guide

Vacation times are synonymous with fun and relaxation. But the prerequisite for that perfect vacation is ensuring your vacation property’s security and safety. At Janis-Shunta Insurance, catering to the Muskegon, MI community and its neighboring areas, we offer custom-tailored insurance policies to address your unique property insurance requirements.

Safeguard Your Vacation Home

Owning a vacation home is exciting but not without its challenges. The utmost of these is ensuring protection against potential damage and hazards, more so if the property remains unoccupied for prolonged periods. Prior to the peak vacation season, it’s critical to weatherproof your vacation home for potential storms, rain, and snow. Look into setting up alarm systems and fortifying security to deter burglars. Remember, regular repair and maintenance are essentials, irrespective of the season.

Comprehending Your Insurance Needs

Choosing the right insurance coverage for your vacation home can be complicated due to multiple options and considerations. By partnering with us, you’ll get precise, easy-to-understand advice tailored to your property and individual situation. Our seasoned team is equipped to create robust policies to mitigate diverse risks associated with vacation homes, ranging from fire and flood to storms and other unpredictable weather events.

Relax, Your Vacation Home is Covered

Don’t leave securing insurance coverage for your second home to the last minute. Take the proactive route and connect with Janis-Shunta Insurance today. We’ll work to ensure thorough protection for your valuable vacation property in Muskegon, MI. Our comprehensive coverage will let you create memorable vacation experiences without worrying about possible risks. Get in touch with us for custom-designed policies to suit your specific needs.

What types of recreational insurance are available?

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.

Do I need umbrella insurance for extra protection on every policy, or does it cover everything?

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.

Why Customizing Your Car Means You Should Update Your Auto Coverage

Buying auto insurance in Muskegon, MI is as simple as phoning the office at Janis-Shunta Insurance or visiting our website, but what you do with your automobile after buying insurance might change your coverage. Many vehicle owners customize their rides with various options, such as upgraded engines, spoilers, and custom wheels. These increases the vehicle’s value, which triggers a need for an insurance update.

Insurance Updates After Customization

When auto owners customize their vehicle after purchase, they alter it from its insured state. Therefore, they need to update their coverage to reflect the increase in value that the customization causes.

Many upgrades increase a vehicle’s value, and most auto insurance policies cap claims at the current fair market value of the vehicle. The insurer consults a tome like the Kelley Blue Book to find the fair market value of the precise make, model, and year vehicle you own. They won’t be covered unless you update your policy to list your specific upgrades.

Options for Fully Covering Your Vehicle’s Value

You’ve got two options to handle this update. The simpler of the two adds the customizations to the fair market value using scheduled items add-ons. Like a policy rider, when you schedule an item on an insurance policy, you fully cover it specifically. You can also fully cover your auto by switching to a policy that uses agreed-upon or stated value.

Contact Janis-Shunta Insurance Today

Did you customize your vehicle after purchasing it? Don’t lose the money you spent getting it just the way you want it! Update your Janis-Shunta Insurance auto policy today to fully cover it before you pull out of your Muskegon, MI, driveway.

What is covered under condo insurance in Muskegon, MI?

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.

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!