If you are a homeowner with a home insurance policy, you may already know that liability coverage is typically included. This coverage helps protect you financially if someone is injured on your property or if you are held responsible for damage to someone else’s property.

However, some homeowners want higher levels of liability protection than what a standard home insurance policy provides. This is where umbrella insurance comes in. The professionals at Janis-Shunta Insurance servicing Muskegon, MI can help you explore additional liability coverage options. We work with multiple insurance partners to help you protect your assets with the right type of coverage.

What Is Umbrella Insurance?

Umbrella insurance provides extra liability coverage beyond the limits of your existing home and auto insurance policies. If you are sued for damages and the liability limits on your home or auto policy are not enough to cover the claim, an umbrella policy can help cover the remaining costs, offering additional financial protection.

Why Get Umbrella Insurance in Addition to Home Insurance?

Some homeowners choose umbrella insurance because they have significant assets that exceed the liability limits of their home insurance policy. Others may feel they are at a higher risk of being sued due to lifestyle factors or property features. Umbrella insurance can help reduce the financial impact of a lawsuit and provide added peace of mind.

Who Benefits From Umbrella Insurance?

Umbrella insurance may be beneficial for homeowners with features that increase liability risk, such as swimming pools or trampolines. It can also be a smart option for individuals who want to better protect their savings, investments, and future income. If you are unsure whether umbrella insurance is right for you, speaking with an insurance agent can help clarify your options.

Contact Us for Umbrella Insurance

The professionals at Janis-Shunta Insurance servicing Muskegon, MI are trusted insurance agents dedicated to helping clients find the right coverage. We work with multiple insurance partners to help you secure umbrella insurance that fits your needs. Call today to speak with one of our insurance professionals.

Insurance is a great way to protect your assets, and each policy is usually enough to take care of the item that’s insured. But sometimes, an individual insurance policy doesn’t provide enough money to carry a claim, leaving you to pay out of pocket in a lawsuit. At Janis-Shunta Insurance, serving Muskegon, MI, we want you to understand the benefits of having umbrella insurance. Read on to learn more about how this policy extends the protection of your existing policies. 

Getting More Out of Your Current Insurance Policies With Umbrella Insurance

Your individual insurance policies have maximum payouts that differ, but are in keeping with what they cover. However, those limits can be exhausted quickly. An umbrella insurance policy extends those limits to a higher amount, typically $1 million or more. It also addresses claims that may not be covered under other liability policies. 

Umbrella Insurance Offers Extra Protection

You can also gain protection from personal liability issues, such as injury to others, some lawsuits, and property damage. If you own a dog, you can get more coverage in case the dog attacks someone. You can get coverage for libel or slander if you’re sued for a comment on social media. Lastly, an umbrella policy can extend your coverage limits for a teen driver. 

Contact Us To Find Out More About Umbrella Insurance

Get in touch with our agents at Janis-Shunta Insurance to find out more about how this type of policy protects you and your assets. We’ll go over your insurance portfolio with you and show you how you can benefit from umbrella insurance. You can set up an appointment to meet with us and explore all of your options. We’re currently serving Muskegon, MI.