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23830 FM 1314 Ste B
Porter, TX 77365

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What Does Boat Insurance Cover?

Boat insurance is not like auto insurance – it is not required in most states. However, if you have a watercraft or boat, you may want to get insurance for it to protect against severe weather conditions on water and theft. Moreover, if you are planning to dock your boat in a marina, a minimum level of liability insurance is needed.

JSI & Associates in Porter, TX can help you navigate this vital coverage. If you are currently shopping for boat insurance, here is basic information about what exactly this type of insurance covers.

What Does Boat Insurance Cover?

Standard boat insurance usually provides financial protection against such common risks as collision with other boats or watercraft, sinking, weather damage, theft, vandalism, and fires. Coverage exclusions and limits depend on the type of insurance policy and the insurance company. In most cases, standard boat insurance policies include the following: 

  • Physical damage coverage. Your insurance will cover damage due to a collision with another boat or object, theft or vandalism, fires, running aground, weather damage (storm, hail, lightning, waving), and capsizing. 
  • Liability coverage. It pays for damages or injuries that you cause a person or their boat while boating. This type of coverage consists of two components – bodily injury liability (coverage of medical bills, lost wages, and legal fees) and property damage liability (repairing or replacing someone else’s boat or property)

If you think that standard boat insurance is not enough, you can always purchase additional coverage, such as on-water towing and emergency services, mechanical breakdown coverage, roadside assistance, hurricane haul-out, and others. 

Get Boat Insurance Today

Are you shopping for boat insurance in order to fully enjoy your time on the water? JSI & Associates in Porter, TX can help you find the perfect coverage based on your personal insurance needs and budget. Feel free to visit our website or give us a call for more information. 

4 Tips for Shopping for Home Insurance

Everyone’s home is special to them. It’s not just a building – it’s a reflection of their lifestyle, personality, and values. And when it comes to protecting this important investment, there’s no one-size-fits-all solution. That’s why shopping around for home insurance that meets your specific needs is so important. But with so many different policies and coverage options available, how do you know where to start?

JSI & Associates in Porter, TX can help you navigate this important insurance coverage. 

Here are a few tips to help you shop for home insurance:

1. Know What You Need

Before shopping for home insurance, take some time to assess your needs. What type of coverage do you require? How much can you afford to pay in premiums? Answering these questions will help you narrow down the field and choose the right policy for you.

2. Compare policies

Once you know what type of coverage you need, it’s time to start comparing policies. When comparing policies, be sure to look at the coverages and limits offered, as well as the premium costs.

3. Consider additional coverages

In addition to standard home insurance coverage, there are several additional coverages that you can purchase to further protect your home. These include things like flood insurance, windstorm insurance, and earthquake insurance. If you live in an area that is prone to natural disasters, these additional coverages can give you peace of mind knowing that your home is protected.

4. Read the fine print

Before purchasing a home insurance policy, be sure to read the fine print. This will help you understand the coverage limits and exclusions, as well as the terms and conditions of the policy. By taking the time to understand your policy, you can be sure you’re getting the coverage you need.

Give Us A Call 

When it comes to protecting your home, it’s important to find the right insurance policy for your needs. Use these tips to help you shop for home insurance and find the best coverage for your situation. For more information on home insurance, contact us today at JSI & Associates in Porter, TX. We’ll be happy to answer any of your questions and help you find the right policy for your needs.

Safety and Anti-theft Features of Recreational Vehicles and Their Insurance Coverage

Most RVs combine living space and mobility. Therefore, they typically need a separate policy from your home or auto insurance, although bundling can provide decent discounts. Additionally, you can mitigate potentially high insurance rates by purchasing an RV with the proper safety and anti-theft features. Class A, B, C, and the towable RVs pose different risk levels, so consult with our Porter, TX agents at JSI & Associates before you purchase.

We can guide you regarding which safety and anti-theft features to look for before accepting the delivery of your chosen RV.

RV Safety and Anti-Theft Features

Each living space in your motor home needs a smoke detector. Smaller models may only have one, but the larger Class A motor homes need extinguishers in the cabin, kitchen area, and separated bedrooms. Additionally, position fire extinguishers beside exits and have one or more carbon monoxide detectors if you run the heat or AC while parked, 

Cameras

Backing cameras avert rear-end collisions with stationary objects while entering and exiting driveways, parking lots, and campsites. Moreover, driver and passenger-side front-mounted cameras at car-bumper level prevent running over kids, toys, and pets and provide proof that you maintained a safe driving distance ahead.

GPS

Besides enabling rescue crews to find you, a GPS makes it harder for thieves to hide. The best systems allow authorities to disable the vehicle while locking the thieves inside.

Sway Bars and Weight Distribution Hitches

Excessive trailer sway, or side-to-side body roll, causes loss of control, rollover, or jackknifing. Sway bars prevent fishtailing while weight distribution hitches reduce driver exhaustion. The $300 to $700 average price of a sway bar seems minuscule compared to the replacement cost of your RV.

Contact Us Today

Call or email our agents at JSI & Associates in Porter, TX today for more expert insurance advice.

Required Auto Insurance in Texas

When you are a driver in Texas, your vehicle is required to have an auto insurance policy. This policy must have a certain amount of coverage within it, though you can add more if you choose. If you need auto insurance, give us a call today at JSI & Associates in Porter, TX to find out more and get started. 

Auto Insurance: What You Need To Know

Liability Coverage

In Texas, there are two types of liability coverage that are mandated by law and three amounts of coverage. All of these together are in one auto policy. There is an amount required for bodily injury coverage that is for just one person injured in an accident that you caused. There is another amount mandated for all of the people who are injured in the accident. Both of these amounts are for bodily injury liability. There is another amount required for the damage to the other person’s vehicle, building, etc. This is property damage liability, and it doesn’t cover any damage done to your own property. These are the requirements by the state, but your lender may require you to have additional coverage. 

Other Auto Coverage

You can choose to have other types of coverage in your policy, including collision and comprehensive insurance. Comprehensive insurance covers your vehicle against a number of things that can happen when the vehicle isn’t being driven. Collision insurance covers your own property damage after an accident. This is important for paying for your repairs or to pay for you to replace the vehicle. Both of these types of coverage are important for protecting your finances if something were to happen to your vehicle. 

Get Your Auto Insurance

To protect yourself from a wide range of expenses, you need auto insurance. Call us at JSI & Associates in Porter, TX to find out more. 

Is it time to upgrade your watercraft coverage?

JSI & Associates is proud to serve the greater Porter, TX area with all of its residents’ insurance needs. Our team is here to answer any questions that you may have and help you get the insurance that’s right for you. If it’s time to upgrade your boat policy, give us a call today.

Finding the right boat insurance policy

When it comes to boat insurance, it can be difficult to determine the right type of insurance that best meets your needs. It can also be confusing when it comes to figuring out the right level of protection that is sufficient for you. Boat policies can cover everything from collision and property damage to at-sea towing. 

If it’s been a while since you’ve taken a close look at your current boat policy, or if you are in the process of buying your first boat, choosing the right policy can take some time and effort. The policies that many people choose when they get their first one are often pretty basic and provide a minimum level of protection.

Upgrading your current policy, or buying one that is more robust initially, can help you have the coverage you need in place before you need it. No one wants to find out that they’re underinsured after they experience a loss! Taking the time now to have the right policy for your needs can allow you to enjoy boating without worry. 

Let us help you with all of your insurance needs!

If you are a boat owner in the greater Porter, TX area, turn to JSI & Associates for all of your insurance needs. Whether you are a long-time owner, or just getting your first boat, let us help you find the right policy for your needs.

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.