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JSI & Associates

23830 FM 1314 Ste B
Porter, TX 77365

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Tips for making your home a safer place

Making your home a safer place can mean dangers outside the home, but it can also be about hazards inside the house. At JSI & Associates in Porter, TX, we believe that one of the best ways to make your home a safer place is to have the right home insurance. With good home insurance, you can withstand a lot of danger and things that can go wrong. 

Tips for making your home a safer place

Trip and fall hazard

In the home, falls and trips are a serious danger. It isn’t just toddlers and the elderly who can be injured in the house. The most common cause of trip and fall accidents is uneven floors and wet floors. That probably explains why bathrooms are such a risk. Having no-slip strips in your shower and tub can help and use a non-slip mat for the floor. 

Keep hallways and stairs clutter-free, and don’t run extension cords or any cords where they can be tripped over. If they must cross an open space, use electrical coverage tape.

Cleaning your chimney and furnace

Fire is a major danger in the home, and to lower your risk of a home fire, maintain your furnace and chimney with yearly cleaning. 

Keep chemicals under lock and key

Don’t leave chemicals where children and pets can reach them. Safety locks on cupboards where you store dangerous chemicals will keep your pets and children safe. 

Have good door and window locks

Safety means keeping things out as well as making the interior safe. Have a good deadbolt on exterior doors and keep window locks locked. 

Change batteries in smoke detectors

 When the time changes in the fall and spring, change the batteries in your smoke detectors. They can’t help if they aren’t operational. 

Contact JSI & Associates in Porter, TX for tips on how to make sure your home is as safe as possible.

Tips for finding the right recreation insurance policy

JSI & Associates is here for the greater Porter, TX. If you own a recreational vehicle, you will want to make sure that you have the protection you need. We can help you find the right policy for your needs. Give us a call today!

Tips for finding the right recreation insurance policy

When it comes to protecting a recreational vehicle, there can often be a lot of confusion. Many clients think that because they only use their ATVs and similar vehicles on private land, they do not need to carry an insurance policy for the car. While it may not be mandatory in some cases to have insurance, you will likely want to have some level of protection.

When you sit down with a local agent to discuss your policy needs, you will want to cover a few different scenarios with them. For instance, if you use the vehicle for pleasure or work, it can alter your insurance needs. Likewise, if you have passengers or friends who also use the vehicle, you will want to mention that too. 

The primary coverage that you may want to look at is liability protection. No one wants to come out of pocket to cover medical expenses or damages caused by an accident with one of your vehicles. This is true when an accident occurs on private land or a public street.

Give us a call today!

If you live in the greater Porter, TX area and would like to learn more about the recreational insurance policy options available in our area, we can help! Give JSI & Associates a call today to set up an appointment to learn more. We look forward to working with you!

Tips For First-Time Auto Insurance Buyers

There are millions of privately registered vehicles on the roads today, most of which are legally insured according to the requirements of the law in Porter, TX. However, gaining an understanding of insurance coverage may be confusing if this is the first time you are buying a policy. Being aware of a few simple tips on choosing the coverage to protect you and your vehicle is important. A good place to start is by contacting JSI & Associates with any questions.

Requirements for Obtaining Auto Insurance

Before you can get a quote for auto insurance, you will need some required documents and information. This includes your driver’s license, vehicle information, and insurance information.

First of all, you will need to provide personal details about you and anyone else who will be driving the vehicle regularly. The required information includes the name, date of birth, and driver’s license number for all drivers. You may also be asked about your driving history, including any license suspensions or accidents. If you have completed a safe driving course, you will want to let the agent know about that as well.

The information about your vehicle is pretty straightforward. You will be asked to provide the VIN, make, model, and year of your car. The agent may also inquire about the purchase date, registered owner, mileage, and how the vehicle is stored.

Even if this is your first time purchasing auto insurance, you may be asked general questions about prior coverage. Since most agencies do not provide policies to anyone under 18, this will most likely be about your coverage under your parent’s policy.

Now that you are aware of the questions you may be asked and the information you will need to provide, it is time to contact JSI & Associates for your quote. Call us today and we will help you choose the coverage options that are right for you and in compliance with the requirements in Porter, TX.

Comprehensive boat insurance that’s right for you

The JSI & Associates team is here for all boat owners in the Porter, TX area. We have the knowledge and experience necessary to help you determine which boat policy best suits your needs. If you have been thinking about upgrading your current policy, give us a call today!

Is a comprehensive policy right for you?

When it comes to boat insurance, it can be difficult to find a policy that suits your needs. If you are looking for protection that goes beyond the basic coverage levels, you may find yourself looking for a needle in a haystack.

With a comprehensive policy, you enjoy all of the coverage of a basic policy with some additional features. This type of coverage can be appropriate for someone looking for:

  • Robust liability protection
  • On-water services such as towing
  • Protection when a boat is trailered to or from the water
  • Medical expense coverage
  • Coverage when the boat is in storage or in dry dock

When you have a comprehensive boat policy, you can enjoy further benefits than what your basic policy provides. This is especially great for owners who use their crafts frequently. There are a lot of expenses that come with owning a boat, and having a robust policy helps to protect your investment. 

Let us help you find the boat insurance policy that’s right for your needs!

We are proud to serve the insurance needs of the greater Porter, TX community. The team at JSI & Associates understands how important it is to protect your investment. Boat insurance can be confusing, but we are here to help! Call or stop by today and find out more.

Confused About Home Insurance? Here’s What to Understand

Home insurance doesn’t have to be a confusing or frustrating experience if you know how to approach it properly. In fact, many people have wonderful experiences with their insurance. Here’s what we at JSI & Associates can tell Porter, TX residents like you about insurance confusion.

What Does Home Insurance Do?

Home insurance can protect you against the dangers of property and liability risks. It includes many different policy types, each of which will cover different elements of your home. Homeowners are legally required to have a minimal policy, but many get more advanced options. 

Does My Mortgage Lender Have Anything to Do With My Policy? 

Your mortgage lender cannot force you to buy a specific policy from a specific vendor. They do provide you with the money for your home and ask for insurance. But you can get whatever policy you want, and you can select whatever insurance makes the most sense for you. 

What Does My Policy Cover? 

Here’s where most homeowners get confused when buying a policy. What exactly is covered? Well, things like fire, windstorms, lightning, hail, aircraft, vehicles, explosions, theft, and vandalism are all covered. Things that you do to the home on purpose are not. 

Why is My Home Value Less Than I Thought?

You may have bought a home at a specific value and hoped your insurance would cover it at that level. However, your home’s value can decrease or increase with time due to market pressures. Your policy may need to be changed to reflect that fact to ensure that you’re safe. 

Get the Coverage You Need 

Call us today at JSI & Associates if you’re buying home insurance and you aren’t sure what to expect. Our team can help Porter, TX residents and those in the surrounding area identify their different needs and create a comprehensive insurance package.

Your Guide to Choosing Recreation Insurance

Recreational insurance isn’t always well understood by many people. That’s why we at JSI & Associates created this simple guide for Porter, TX residents. Understanding this unique facet will provide you with a better understanding of your options here for your recreational vehicle’s needs.

What Recreational Insurance Covers 

Recreation insurance is designed to cover a variety of vehicles used primarily for recreational purposes. For example, vehicles like RVs, campers, motorhomes, and much more are all covered. Typically it offers two different levels: liability and property coverage. 

Liability protection protects you if you get into a lawsuit due to problems caused by accidents or injuries due to your vehicle. Property coverage will cover any property damage that your vehicle may cause, such as if you hit somebody’s vehicle with your motorhome.

Can It Cover Full-Time Living? 

Many people may live in a motorhome or camper full-time. For example, many retirees purchase a large motorhome and live out of it so that they can travel the world. Others may do the same thing with a camper and move from different places throughout the years, even if only temporarily. 

You’ll need a specialized policy known as full-time insurance to get protection. This policy works a lot like a home owner’s insurance. Talk to your insurance provider to learn more about whether this option is right for you and which policy is useful for your needs as an owner. 

Let Us Help You Protect Your Investment 

Do you think you want recreational insurance but aren’t sure where to turn? Contact us at JSI & Associates to learn more. Our team can help Porter, TX residents or those in the area find a policy that makes sense for their needs. In this way, we can minimize your investment needs.

Am I Covered? How to Know What Your Auto Insurance Policy Covers

It’s important for drivers in Porter, TX to do their due diligence and ensure that they have the right amount of coverage for every driver on their insurance policy. It can be difficult to understand the various coverage options available to you, particularly if you’re a newer driver or need to add more people to your policy. 

When you work with a reliable, knowledgeable insurance company like JSI & Associates, you’ll know exactly what your policy contains and the coverage you have.

What Benefits Does Auto Insurance Provide?

In Texas, auto insurance is mandatory for anyone operating a vehicle on public roads. The benefits of auto insurance may seem obvious, but there are many reasons you should maintain a full-coverage policy that protects you on the road. 

Drive Cautiously & Confidently

Accidents do happen, and being prepared for one is of the utmost importance when you’re on the road. You may be the most well-practiced and cautious driver on the road, but you can’t control the other people in the lanes surrounding you. Insurance gives you the cushion in the event of an accident, whether it was your fault or not, that you won’t experience major financial hardship because of a situation out of your control. 

Protect Other Drivers

If you have the right insurance, you can protect other drivers on the road in addition to yourself. This is crucial to keeping the roads and drivers safe in Porter, TX. 

JSI & Associates urges TX drivers to examine their existing auto insurance policy. We can work with you to discover any gaps in your coverage and find a plan that is best for you and your family. 

Safety Tips for Boat Owners in Porter, TX

Owning a boat in Porter, TX is an exciting way to spend time with family and friends, but there is also a fair amount of risk associated with boat ownership. Just like any other large investment, owning a boat requires certain knowledge and safety skills in order to protect yourself and any guests you may be hosting on your vessel. 

Most importantly, for the protection of both physical property and to ensure your financial security, we highly recommend boat insurance. Whether you’re out on the water every weekend, or you use your boat a few times a summer, maintaining full coverage for your boat is essential.

Although boat insurance isn’t required in the state of Texas, JSI & Associates highly recommend a boat insurance policy to protect your investment in the event of damage or disaster. This extends past while you are using the boat — many policies can also protect a boat while it’s being stored or parked somewhere during off-season months. You can’t control the weather and if you live in Texas, you know it can be unpredictable, so having coverage all year long is also an ideal choice for boat owners. 

A few other safety tips we recommend for boat owners in Porter, TX include:

  • Taking a boating course to ensure you are well-versed in all rules and policies of boating in Texas
  • Monitor the weather patterns if you intend on taking your boat out 
  • Ensure every guest has a life jacket onboard

All boat owners in Porter, TX should be aware of the importance of protecting their investment. If you are looking for a boat insurance policy, contact JSI & Associates for the coverage that fits your needs today. 

Why You Need Home Insurance in Texas

If you’re a homeowner in Porter, TX, you should know the importance of having a home insurance policy that protects you in the event of damage or destruction to your property. 

Without coverage, the homeowner is fully financially responsible for any and all damage to their property. If your home is damaged in any scenario, the last thing you’ll want to be stressed about is paying out of pocket to make repairs. Home insurance protects you from having to dip into your savings or find other ways to repair the damage to your home.  

At JSI & Associates, we help homeowners find the best plan that fits their needs and that provides the coverage their property requires. 

Your Texas home is your pride and joy, so you should be proactive about protecting it with an insurance policy. It may not seem necessary, but you’ll be glad you did. 

While every homeowner should have an insurance policy, this doesn’t mean that every plan is the same, or that there is a one-size-fits-all solution for you. Every homeowner has different needs, personal property, and risks involved. Because your needs are unique, you need to work with a company that offers customized plans that cater to you specifically, not the masses.  

Whatever your needs may be, JSI & Associates has a policy for you. Our team of experts in Porter, TX will work with you to ensure your policy fits your individual needs. If you are in the market for a home insurance plan, reach out to us today and we can work together to create a plan that protects you and your family in Texas.

Texas Recreational Insurance: Are you Underinsured?

Although Texans enjoy their outdoor excursions, few take the time to consider what would happen in the event of an accident. The question outdoors enthusiasts might want to consider is whether they have sufficient coverage. At JSI & Associates, we hope our Porter, TX community members consider their level of recreational insurance coverage.

What Is Recreational Insurance?

Recreational insurance is a form of coverage for those who participate in outdoor activities. The goal is to protect people financially in the event of injury, property damage, or death. There are different types for different activities, and most of them have optional coverage that could be available to you. Here are some common scenarios you’ll want to speak to your Porter, TX, recreational insurance agent about to see what types of coverage is available for your specific needs.

Texas Recreational Insurance for Camping

Suppose you’re out camping in a campground. While you, your family, guests, or other campers are moving about the campground, several things could accidentally happen.

  • Someone could trip over a guy line to a tent and suffer injury.
  • A generator or solar pack could spark and catch fire, setting off another fire.
  • You or your teenager could back the ATV into another person’s camping gear or worse.

Many people underestimate the costs involved in treating an injury caused by these types of accidents.

Texas Recreational Insurance for Boating

Boating in Texas comes with specific safety measures. Safety measures are put into place to avoid slip-and-fall accidents due to slippery decks, falling overboard injuries, and protocols are in place if you find your boat mechanically failing in open water. All these situations could indicate unintended injuries or property damage, depending on the circumstances.

Contact Your Trusted Porter, TX, Recreation Insurance Agent

While these types of accidents don’t often happen, they can significantly impact your family finances when they do. At JSI & Associates, faithfully serving Porter, TX, and the surrounding area, we pride ourselves on finding the exact type of insurance coverage you and your family need while you’re enjoying all the Lone Star state has to offer. Contact us today for a free quote!