Umbrella insurance is one of the most misunderstood types of insurance. Many people are not quite sure exactly what it is and who needs to carry it. The name umbrella gives an accurate visual of what the insurance does. It offers liability protection the same way that a physical umbrella protects against the elements. An important aspect of umbrella insurance is that it is not a policy that you can purchase unless you already have a primary policy that offers liability coverage. At Janis-Shunta Insurance in Muskegon, MI, we have the experience to help you to understand what an umbrella policy can do for you. 

So who needs to carry umbrella insurance? Anyone who has any assets can benefit from umbrella insurance. What it is in simple terms is excess liability insurance. If you are involved in legal action, someone suing you, it adds a layer of coverage to what you already have through your primary policy. What happens is your home or auto policy will pay any judgment and legal expenses up to the limit on that policy and then the umbrella policy will kick in.

You have worked very hard to accumulate the assets that you have. If you get sued for an amount beyond the limits of your primary policy and you don’t have an umbrella policy to protect you, you are responsible for the additional amount of the judgment out of your own pockets. Depending on how deep your pockets are, you could be forced to sell your assets and your future wages could even be garnished. Not something most people want to think about. An umbrella policy adds between one and five million dollars to your liability coverage. 

An umbrella policy is an affordable way to protect your assets. Call Janis-Shunta Insurance in Muskegon, MI to get a no-obligation quote. We can give you the peace of mind you deserve. 

By making key upgrades to your Muskegon, MI condo, you can increase its value, especially if your upgrades help improve your condo’s appearance, function, and safety. Before renovating your condo, talk to your Janis-Shunta Insurance agent to see how remodeling will affect your condo coverage. The following upgrades will give your condo a fresh new look and add greater value.

Kitchen Remodel

Remodeling your kitchen will definitely add value to your condo, especially if you use high-end materials. Granite counters, designer cabinets, and contemporary lighting will create a whole new look for your kitchen while boosting your condo’s value.

Upgrade Major Appliances

For function and appearance, consider upgrading your condo’s major appliances. Modern, energy-efficient appliances will enhance the function of your kitchen while adding value to your condo. Old, worn appliances are not only unsightly, but they may also pose a fire risk to your environment. In contrast, matching, modern appliances will improve safety, simplify meal prep, and increase the value of your Muskegon MI condo.  

Increase Storage Capacity

Storage space is often sorely lacking in a condo. By adding storage space to your condo, you can increase your unit’s value. Expand closets, add new closets where needed, or look for ways to convert nooks into storage areas. Storage is a valuable commodity in any home, but even more so in a compact condo.

Upgrade Flooring

Never underestimate the importance of flooring in adding value to your condo. Old carpeting or outdated flooring can detract from the beauty of your abode. Upgrading to hardwood flooring or planks can make a big difference in your ambiance and raise the value of your home.

Don’t forget to add renovations to your condo insurance, so they’ll be covered along with the rest of your abode. To update your condo policy, contact Janis-Shunta Insurance.

Residents and adventure-seekers alike know that Muskegon, MI is a fantastic place to enjoy the outdoors. From miles of lakefront water to spacious parks, the region is the ultimate playground for outdoor enthusiasts! Whether you’re driving your dune buggy over the sand or riding your dirt bike on rocky trails, purchasing recreational insurance is definitely a worthwhile investment. Not sure where to start? The friendly and knowledgeable agents at Janis-Shunta Insurance in Muskegon, MI is eager to help!

Janis-Shunta Insurance has three locations, so agents are easily accessible in-person, online, or over the phone. When you choose Janis-Shunta Insurance as your provider, you will be working with a team of experts who are familiar not just with the insurance industry, but also of the Muskegon, MI region. They understand that recreational activities are a major part of life in the area and that it is important to protect your equipment.

Why should you purchase recreational insurance? Not only does having insurance gives you peace of mind, but it can save you money if unforeseen circumstances were to arise. Select policies that include medical coverage, collision coverage, and more. Contact Janis-Shunta Insurance today for a quote!

What are your options? You can choose from policies with basic coverage to comprehensive plans. No matter what type of policy you’re looking for or even if you don’t have the slightest idea where to begin your search, the agents at Janis-Shunta Insurance in Muskegon, MI will help you find the perfect recreational insurance policy for your hobbies and interests.

So why wait? Call or visit Janis-Shunta Insurance in Muskegon, MI today to get started with your recreational insurance plan!

If you’re looking for coverage that goes above and beyond your current policies, you may be looking for umbrella insurance. This kind of policy is designed to pick up where other policies leave off, to increase the maximum benefits and protection levels offered by your insurance. If you live in or around the Muskegon, MI area, Janis-Shunta Insurance can help you find the policy you need for security and peace of mind. There are a lot of great things an umbrella policy can do. For example, there are important areas where it can extend coverage that may be needed. Here are five of those areas to carefully consider when looking for an umbrella policy:

1. Your home, if a claim goes beyond your homeowner’s policy.

2. Your car, if an incident extends beyond your scope of coverage.

3. Your boat, if its current coverage limits aren’t enough.

4. Your rental units, if you need strong liability coverage.

5. Circumstances not handled by other policies, such as slander, libel, and false arrest.

If you’re in or near the Muskegon, MI area, Janis-Shunta Insurance can help you find the right umbrella insurance policy for your needs. Not everyone needs or wants the same type of policy, but it’s very important to understand what works for your goals and situation. Then you can make an informed decision about your policy. Whether you have significant assets and want higher levels of protection, you’re a public figure who needs something beyond typical policies, or you’re just interested in making sure everything you have is thoroughly covered, we can help.

Reach out to us today, and we’ll work with you to find the right type and level of coverage for your situation and future goals. You don’t have to settle for worry about your protection level when you have us on your side.

Unlike a homeowner, folks that live in condos don’t own the building itself or the land that it is on. Instead, the homeowner or condo association will be insured through a master policy that protects the building itself, the common areas, and property for damages that occur in those areas. With that said, it is likely that your homeowner or condo association will not pay for damage to the interior of your unit to include storm damage, stolen property, or injuries to guests that may be visiting. There is good news – condo owners don’t have to be on the hook for these expensive damages and instead can have peace of mind through the purchase of condo insurance or HO-6 policy. If you are in the Muskegon, MI area, give Janis-Shunta Insurance a call and we’ll help answer any of your condo insurance-related questions.

Covers Damage not Insured by the HOA

Condo insurance will protect you from having to shell out cash for things like damage to the interior of your unit that is not the walls, floor, and ceiling. Additionally, coverage typically includes stolen property like furniture and electronics plus payment towards medical bills if a guest is hurt while at your home.

Affordable Cost

Although cost can vary widely depending on where you reside, for instance, New York City is likely to be more expensive than Muskegon, MI – condo insurance is a relatively nominal sum when you think of how much it can cost to replace stolen furniture or damages to a unit. At Janis-Shunta Insurance, we will work with you to find a plan that fits in any budget.

Loss of Use Coverage

If you are displaced from your home due to damage, condo insurance can help cover the cost of temporary living spaces while you find a new home or wait for your unit to be repaired.

Owning a condo in Norton Shores or Muskegon, MI is something that several of our clients at Janis-Shunta Insurance enjoy for its lifestyle and condo community. Unfortunately, one accidental fire in a condo can destroy the property of several families, leaving them displaced and with expensive repairs. Below are three ways to prevent an accidental fire in your condo. 

Give the Space Heaters some space

If you want your condo to be extra cozy in the winter months with space heaters, make sure that you have these heaters away from any blankets or materials that could easily get too warm from the heater and start a fire. They need several feet of clearance around them so they can operate properly. Also, make sure that you turn these heaters off when you leave the condo. 

Blow out your candles

While candles are nice to have around when you are home and in your living space, they are not safe enough to leave alone through the night when you are sleeping or when you leave the condo unattended. Candles have been responsible for house and condo fires across the nation and should be watched with a careful eye. 

Is your wiring up-to-date?

This is especially true in older condos that may not have an upgraded wiring system. You should check your cords and outlets once a week to see if there are any signs of fraying or long-term burning on cords or outlets in your condo. These are premature signs of a burnout happening in your electrical unit, and could easily cause a fire in the near future. 

Get protection with condo insurance

If you are a condo owner living in or around Muskegon, MI without condo insurance, you need to give Janis-Shunta Insurance a call today for condo insurance options available.