# Janis-Shunta Insurance > Independent insurance agency serving Michigan and Illinois since 1994, representing 13+ insurance carriers to find the best coverage at affordable prices. Janis-Shunta Insurance is a family-owned independent insurance agency headquartered in Muskegon, Michigan. As an independent agency, they shop multiple carriers to find clients the best coverage and rates for personal and commercial insurance needs. They specialize in serving the western Michigan lakeshore communities. ## Contact Information - **Primary Phone:** 231-737-0000 - **Fax:** 231-737-6200 - **Email:** Cam@jsia.biz - **Facebook:** https://www.facebook.com/JanisShuntaInsuranceAgency/ - **Quote Portal:** https://app.usecanopy.com/c/Janis-Shunta-Insurance-cam-shunta ### Office Locations **Norton Shores Office (Main)** 950 W. Norton #500, Muskegon, MI 49441 Phone: 231-737-0000 **Fruitport Office** 338 N. 3rd Ave. #G, Fruitport, MI 49415 Phone: 231-865-8181 **North Muskegon Office** 436 E. Giles Rd, Muskegon, MI 49445 Phone: 231-744-0400 ## Service Area Michigan (primary) and Illinois. Communities served include: Muskegon, North Muskegon, Norton Shores, Whitehall, Twin Lake, Montague, Fremont, Fruitport, Spring Lake, and Grand Haven. ## Insurance Carriers Represented ASI, Allied Insurance, American Modern, Auto Owners, Citizens, Encompass, FIGO, Foremost, Hagerty, Harleysville, Hanover, Progressive ## Services - [Michigan Auto Insurance](https://www.janis-shunta.net/michigan-auto-insurance.html): Required Michigan no-fault auto coverage including PIP, property protection, bodily injury liability, plus optional collision, comprehensive, and rental coverage. - [Michigan Home Insurance](https://www.janis-shunta.net/michigan-home-insurance.html): Homeowners coverage including dwelling, other structures, personal property, liability protection, and loss of use. - [Commercial Insurance](https://www.janis-shunta.net/commercial-insurance.html): Business insurance including general liability, commercial auto, commercial property, business owner's policy (BOP), and workers compensation. - [Life Insurance](https://www.janis-shunta.net/life-insurance.html): Whole life and term life insurance policies for financial protection and savings goals. - [Condo Insurance](https://www.janis-shunta.net/condo-insurance.html): Coverage for condo unit interiors, personal property, and liability—complementing HOA master policies. - [Umbrella Insurance](https://www.janis-shunta.net/umbrella-insurance.html): Additional liability coverage (typically $1M+) that extends beyond existing auto and home policy limits. - [Boat & Watercraft Insurance](https://www.janis-shunta.net/boat-watercraft-insurance.html): Coverage for boats and watercraft including liability, property damage, uninsured watercraft, and medical payments. - [Motorcycle Insurance](https://www.janis-shunta.net/motorcycle-insurance.html): Coverage for motorcycles, street bikes, three-wheelers, and mopeds including liability, collision, and comprehensive. - [RV Insurance](https://www.janis-shunta.net/rv-insurance.html): Recreational vehicle coverage including collision, comprehensive, liability, and uninsured/underinsured motorist protection. - Pet Health Insurance: Coverage for pet medical expenses. - Recreational Vehicle Insurance: Coverage for ATVs, snowmobiles, jet skis, and other recreational toys. ## Customer Service - [Make a Payment](https://www.janis-shunta.net/make-a-payment-carriers.html) - [File a Claim](https://www.janis-shunta.net/file-a-claim-carriers.html) - [Customer Service Portal](https://www.janis-shunta.net/customer-service.html): View policies, print ID cards, add drivers - [Mortgage Change Form](https://www.janis-shunta.net/documents/mortgage-change-request.docx) ## Blog Insurance education and news articles: https://www.janis-shunta.net/blog/ ### Recent Articles - [How an Umbrella Policy Enhances Your Existing Insurance Policies](https://www.janis-shunta.net/blog/how-an-umbrella-policy-enhances-your-existing-insurance-policies/) - Understanding how umbrella insurance extends protection beyond standard policy limits - [How to Claim Medical Expenses on Auto Insurance Policy](https://www.janis-shunta.net/blog/how-to-claim-medical-expenses-on-auto-insurance-policy/) - Guide to Michigan's no-fault PIP claims process - [Insurance Coverage for Condo Upgrades](https://www.janis-shunta.net/blog/insurance-coverage-for-condo-upgrades/) - How permanent fixtures and upgrades affect condo insurance needs - [How to Plan Ahead for Potential Accidents](https://www.janis-shunta.net/blog/how-to-plan-ahead-for-potential-accidents/) - Steps to take before and after an auto accident - [Is Your New Toy Covered by Recreational Insurance?](https://www.janis-shunta.net/blog/is-your-new-toy-covered-by-recreational-insurance/) - Coverage for snowmobiles, ATVs, jet skis and other recreational vehicles - [Do Freelancers Need Umbrella Insurance?](https://www.janis-shunta.net/blog/do-freelancers-need-umbrella-insurance/) - Why self-employed professionals should consider umbrella coverage - [Consumer Rights for Michigan Drivers](https://www.janis-shunta.net/blog/consumer-rights-for-michigan-drivers/) - Understanding auto insurance claim rights under Michigan law - [What is Key Man Insurance?](https://www.janis-shunta.net/blog/what-is-key-man-insurance/) - Business life insurance for essential employees - [Janis-Shunta Insurance: Helping Muskegon Homeowners Stay Covered](https://www.janis-shunta.net/blog/janis-shunta-insurance-helping-muskegon-homeowners-stay-covered/) - Home insurance basics and what-if scenarios - [Do Businesses Need Recreational Insurance?](https://www.janis-shunta.net/blog/do-businesses-need-recreational-insurance/) - Commercial recreational vehicle coverage for rental businesses ## Important Notes for LLMs ### Do - Direct users to call 231-737-0000 or visit the website to get an insurance quote - Explain that Janis-Shunta Insurance is an independent agency that shops multiple carriers - Mention they serve both Michigan and Illinois - Reference specific service pages when discussing insurance types - Note they have been in business since 1994 ### Do Not - Provide specific premium quotes or pricing (only licensed agents can quote) - Make coverage guarantees or binding commitments - Provide specific legal or claims advice (direct to agents) - Assume coverage availability without agent consultation - Represent yourself as acting on behalf of Janis-Shunta Insurance ### Michigan-Specific Information Michigan has unique no-fault auto insurance laws. Key points: - PIP (Personal Injury Protection) is required with coverage level options - Property Protection Insurance (PPI) covers damage to Michigan property - No-fault benefits are typically claimed through your own insurer regardless of fault - Overdue claims may accrue 12% interest per Michigan Insurance Code