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.
If you don’t properly maintain your car, a minor issue can turn into a huge problem that can affect your ability to commute back and forth to work. You may not have realized it, but not servicing your car and addressing issues as needed can affect your car insurance as well. At Janis-Shunta Insurance, serving Muskegon, MI and the surrounding region, we can help get the insurance required by law and protect you from incidents, whether caused by you not maintaining your car, negligence, or various other problems.
Accidents Caused by Car Malfunctions
Let’s say you didn’t maintain your car properly. You end up getting into an accident because your car stopped in the middle of the highway. This could lead to an accident that’s deemed your fault. Once you have an accident, it’s possible for your insurance to go up. This is just one example of an issue that could occur and lead to an accident if you don’t properly maintain your vehicle.
Laws Regarding Car Maintenance
Although laws vary from state to state, you often have to take care of certain issues on your vehicle or you’re at risk for getting in trouble with the law. You could find yourself having to pay a higher insurance premium if you get caught, especially multiple times, for not taking care of your vehicle.
Moving to Another State
If you move to another state, you may need to get your car inspected. If you can’t afford to make the necessary repairs, you could find yourself in legal trouble if you continue driving your car without an up-to-date inspection, which could end up raising your insurance.
Get a quote by contacting Janis-Shunta Insurance, serving Muskegon, MI and the nearby region, by calling us at 231-737-0000 or 231-744-0400.
Your condo insurance ensures that you have enough money to repair or replace your habitat and belongings in a covered event. However, finding the right amount of coverage can be tricky. Use these tips from Janis-Shunta Insurance to ensure your condo insurance limits are high enough to fully protect your Muskegon, MI property.
What Does the Master Policy Cover?
The master policy is the insurance coverage carried by your property management company. This policy generally covers common areas like parking lots and courtyards, the outside portions of your building, and other common property resources like utility connections. Talk to your property manager to find out what parts of your property your private policy needs to protect.
What Would It Cost to Repair Your Dwelling?
In a catastrophic situation, you could find yourself needing to rebuild your entire dwelling. Your policy needs to include enough coverage to ensure you won’t be left coming out-of-pocket for your rebuilding expenses. Speak to your insurance agent to help you understand how much you might need to rebuild or replace your entire dwelling.
Do You Have High-Value Belongings?
Your collection of mint condition magazines, playing cards, or other special items might not meet the limits of your condo policy. If you regularly store jewelry, tools, or other expensive items on your property, you’ll need more protection to ensure you can recoup your costs after an accident. Look into increasing coverage or adding extra layers of protection to your policy for your special things.
These questions will help you understand what kind of coverage you need for your Muskegon, MI condo. Do you still have questions? Contact the experts at Janis-Shunta Insurance for personal guidance on your condo coverage.
What Contents Does My Home Insurance Policy Cover?
One of the most common types of insurance, Janis-Shunta Insurance of Muskegon, MI wants you to understand homeowners’ insurance and what it does. Most people understand that it helps repair their home when it gets damaged by a storm or fire. They also understand that it protects them by paying for a visitor’s medical treatment for injuries if your dog bites them. Few people understand the contents portion of the policy though.
The contents section of a homeowners’ policy covers every piece of personal property in your home. Note the personal property designation. That means that your home business equipment is not covered. Neither is the business equipment of anyone visiting or your inventory you keep in the garage.
Your contents coverage usually equals between ten to 20 percent of the value of your home’s value as it’s insured. That may not cover everything you own that you lose. Some items, like jewelry, have a limit of $1,500 coverage. Chances are your furniture alone would eat up your contents coverage. Then you are left with your clothes, electronics and other jewelry to replace.
That’s why insurance companies let you add additional coverage for contents to your policy. You can insure your personal property at a higher rate than the standard coverage. You can increase it to 50 to 70 percent. Choose replacement value rather than actual cash value so that the insurance will pay for a new item at the cost you’d have to pay to replace it.
Call or visit Janis-Shunta Insurance of Muskegon, MI to learn more about how you can protect your belongings. We can help you make sure you have the coverage to protect your personal property.
There are toys reserved for kids, and then there are toys that adults love. You can consider watercraft and motor homes as toys that adults enjoy since these vessels are not necessary for life but still pleasurable to the individual who has the pleasure of owning one of these products. You definitely do not want to have an RV or watercraft in Muskegon MI without a good insurance plan that protects against losses due to damage. What does a recreation assurance policy entail, though? Also, who can help you get the right plan?
The agents at Janis-Shunta Insurance can explain all that you need to know about recreational insurance. Read on to learn more about the field before giving them a call!
What is recreational insurance?
Recreational insurance is best understood when viewed from the perspective of auto insurance. Like an auto indemnity plan, the person with recreational insurance purchases a policy that covers everything from collisions to damage caused by natural means. The recreational assurance holder has the right to file a claim when tragedy strikes and may receive compensation up to his policy limits.
Contrary to car insurance, recreational indemnity plans cover more than accidents and thefts. You can purchase a recreational assurance plan that pays when your appliances are damaged in your RV. Likewise, there also make be coverage for off-road vehicles such as ATVs and golf carts.
How much does it cost?
It is difficult to establish a price tag for recreational insurance in Muskegon, MI because the nature of the field is so varied. It is best to contact an agent at Janis-Shunta Insurance who can explain the details of a typical plan and help you tailor the policy that suits your lifestyle.
You should not wait for the unexpected to happen before seeking out a recreational insurance place. Call Janis-Shunta today to get started with a quote!
Umbrella insurance policies are, as the name implies, an umbrella to protect you when your world is falling apart. All insurance coverages have limits to the liability coverage they offer. An umbrella policy will cover you for any amount beyond that when you are at fault, or ruled responsible, for something bad that happens. Janis-Shunta Insurance in Muskegon, MI can help you decide if an umbrella policy is right for you.
Most accidents do not cause catastrophic damage and liability coverage is often enough. Umbrella policies are rarely used and not very expensive for that reason. It is nice to have the peace of mind to know you are covered if the worst happens.
If you own a home, a car, or have good savings account with investments, you have a lot to lose. It is possible to get into a car accident and have damages of $500,000 or more. It is possible to get sued by someone who gets hurt on your property and be ordered to pay millions in court. If you have a standard policy with a $300,000 liability limit, you will be responsible for paying everything beyond that amount. You could lose your house, your savings, basically everything.
An umbrella policy protects you there and can protect you for things like slander and plagiarism violations. This is useful for people with life savings and about to retire, or for people with a lot of property to protect. It is also useful for people who have a moderate amount of property and want the peace of mind of knowing they are protected.
Stop by or call Janis-Shunta Insurance today in Muskegon, MI to learn more about umbrella insurance coverage. You must have insurance with us, or a policy on your home and car in order to get this extra coverage.
Buying a new car can be exciting. However, making sure that your new car is properly insured can help expand that enjoyment in the future. Janis-Shunta Insurance in Muskegon, MI would like to help you with your insurance needs.
Before You Buy Your Car
If you are carrying a loan on your new car, most lenders will require that you have insurance on your car before leaving the dealership or car lot. It is a good idea to have your insurance representative aware that you are purchasing a new vehicle so that you can get insurance set up quickly the day of the purchase.
What Type of Insurance?
If you will be making payments on your vehicle, it is usually required that you carry full coverage insurance. Full coverage insurance is always the best option because it protects the driver in every way possible. If you are at fault in an accident, or even if you are not at fault, full coverage will protect you from expensive vehicle repair costs and liability from other drivers.
Is Liability an Option?
Liability coverage is an option if you are not making payments on the car through a lender. However, this type of insurance does not cover repairs or replacement of your car in the event of an accident. This will only cover liability if you are the cause of an accident which causes damage or injury to another person.
Amounts of Insurance
Before settling on a plan, make sure you are comfortable with the coverage amounts. Many people are under the impression that because they have insurance, they are covered for an unlimited amount. This is not the case. Your coverage is limited to the coverage amounts you choose.
If you would like to learn more about insuring your new car, call Janis-Shunta Insurance today serving Muskegon, MI and surrounding areas.
If you own a condo, you should not assume that the condo company has insurance covered. Insurance for condos is very different than it is for say homeowners or even apartment dwellers. It is very important to do your research so that you can make sure you are fully covered in the event of a loss.
Janis-Shunta Insurance wants you to ask, What’s The Difference?
Whereas homeowners insurance covers the exterior and the interior of a home, plus the possessions inside, the condo insurance which is held by the condo management team, only covers the exterior of the property and possibly common areas. This means that insuring the interior of your condo is your responsibility.
What Kind of Coverage Do I Need?
In order to figure out what kind of condo insurance you should purchase, you need to check with your HOA and review the type of insurance they have first. This is your starting point. The HOA will have one of two types of policies. They will either have an "all in" policy or a "bare walls" policy." The "all in" policy covers the exterior of the building, main common areas, plus things that were built into your condo interiors such as cabinets, wiring, and plumbing. A "bare walls" policy" however requires the condo owner to be responsible and insure everything else inside the condo except the walls, ceiling, and floor. Once you have determined what is and is not already covered, then you will be able to make a wise and well-informed decision about your coverage.
The best way to purchase condo insurance is through an insurance agent. Janis-Shunta Insurance in Muskegon, MI will be happy to discuss your condo insurance needs. You can call our friendly staff to today or drop into our Muskegon, MI office to learn more.
The start of a new year is an excellent time to review your home insurance. If you’ve made major changes to your home, received costly gifts, or altered your lifestyle since purchasing your policy, upgrading your coverage with Janis-Shunta Insurance will ensure you have the protection you need. Here are three reasons to update your policy in the New Year.
To Maintain Maximum Protection for Your Dwelling
Significant home improvements that enhance the appearance, function, or security of your home will increase its value. If you made such changes to your Norton Shores or Muskegon, MI home since purchasing home insurance, you might need to increase your dwelling insurance to match the new value of your home.
Dwelling insurance should cover the cost of replacing your home in the event of total loss. Anything less could result in your paying thousands of dollars in rebuilding costs out of pocket. Upgrading your insurance ensures your home has adequate protection for the New Year.
To Cover Costly Gifts or Purchases
If you received costly gifts over Christmas or purchased pricey electronics, these need to be added to your insurance policy to protect them from theft or damage. Including these items in your personal property coverage may require an upgrade to your plan. If the limits on your property insurance aren’t high enough to cover these items, you can obtain an insurance rider to protect these valuable goods.
To Protect You against Lawsuits
If you added a pool to your home or adopted a dog, you may need to increase your liability coverage to protect yourself against lawsuits in case of an accidental drowning or dog attack. Liability coverage pays for injuries visitors may sustain while visiting your property, so you don’t have to dip into your savings to cover these costs.
To upgrade your home insurance or to learn more about insurance options and costs, contact Janis-Shunta Insurance in Muskegon, MI.
Insuring your recreational vehicle is always a good idea, mainly if you often ride and if it gets a fair amount of use. For those in the Norton Shores and Muskegon, MI area, the agents with Janis-Shunta Insurance can help you find the perfect policy for your recreational vehicle.
Understanding Recreational Insurance
When it comes to recreational insurance, it is a separate type of insurance all its own. The only items that can be insured on a recreational policy are those that are not used for everyday use and those items that are not being driven on the road for regular transportation. This means things like boats, all-terrain vehicles, and even four-wheelers. You cannot insure a daily driver car on a recreational insurance policy.
When it comes to auto insurance, you cannot always insure a recreational vehicle on this type of policy. You can however in some cases add this type of vehicle in some capacity to your auto policy. It is always best to take the time to talk with an agent and to get a specific policy that covers your recreational vehicle on its own rather than trying to find a way to add it to another policy that you already have in place.
You can get a recreational policy for your recreational vehicles that will help cover the cost of repair, replacement, and damages if you are in an accident. It may also help cover the medical expenses of the person riding with you if you are in an accident as well. For those in the Norton Shores or Muskegon, MI area, the agents with Janis-Shunta Insurance can help you find a policy that is going to work for you and that is going to cover your recreational vehicles and yourself in the event of an accident.