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. 

You take you dune buggy out on back trails of Muskegon, MI, and suddenly slide straight into an embankment. Although only your pride is injured, your bike needs new fiberglass fenders. This is covered in your recreational vehicle insurance, and your agent at Janis-Shunta Insurance can tell you how to file a claim.

Recreation Insurance Coverage

Recreational insurance includes collision coverage to help you repair damage to your vehicle — even if you hit the side of a mountain. It covers skid plates, helmets, and other accessories.

Recreational insurance applies to off-road vehicles, including:

• Dirt bikes
• Snowmobiles
• Golf carts
• ATVs
• Dune buggies

Understanding Your Recreational Insurance

Recreational insurance has many of the same coverage types as your car insurance, such as collision, liability, medical, and uninsured motorists.

Collision coverage pays for repairs on your vehicle, as discussed. If you cause an accident, liability insurance covers property damage and bodily injury sustained due to the accident.

Comprehensive coverage can pay for covered perils such as vandalism, theft, fire, hail, or animals. For example, if you’re snowmobile is stolen from your shed, comprehensive coverage pays to replace it if it’s not recovered.

If you’re riding your ATV, a large rock or roots can throw you off, leaving you with a dislocated shoulder or worse. Your recreational insurance covers the medical bills if you’re hurt in a covered accident. An uninsured driver hits your golf cart, but don’t panic. Your recreational insurance includes uninsured motorist coverage and pays for your damages or injuries.

Contact Us

Contact Janis-Shunta Insurance with any questions you may have on recreational insurance. We want you to spend your time enjoying the trails and tracks in Muskegon, MI, not worrying about your coverage.

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.

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.