HOW CAN WE HELP YOU?

mobile-callClick to Call
JSI & Associates

23830 FM 1314 Ste B
Porter, TX 77365

mobile-mapGet Directions
JSI & Associates Insurance Blog
Instant Online Quote

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!

Auto Insurance Coverage Options

Car owners in Porter, TX, are legally required to carry auto insurance to protect themselves and other people on the road. However, when buying insurance for the first time, whether it is yours or for your teen who has just started driving, understanding various coverage can be confusing. There is a lot of information to navigate through to ensure you are making the right decision. That is why JSI & Associates walks you through the different coverage you can pick.

Liability Insurance

This type of coverage can be divided into two policy options; bodily injury liability, and property damage liability. The first one, bodily injury liability, provides cover for all medical expenses arising from a third party’s injuries due to an accident you caused. On the other hand, property damage liability helps cover repairs and replacement costs arising from the accident.

Comprehensive Coverage

Comprehensive coverage provides cover for non-collision accidents such as a fire outbreak, theft, hailstorm, or vandalism. If you suffer any covered perils, this policy provides compensation for the cost of repairing or replacing your vehicle.

Underinsured/ Uninsured Coverage

If you get into an accident with a driver whose insurance cannot cover the total cost of injuries or property damage, the underinsured policy can help cover the resulting expenses. On the other hand, you may also get hit by a driver without a cover. Again, an uninsured policy will help cover the ensuing expenses.

Medical Payment Coverage

This type of coverage protects you and your passengers if you get injured in an accident. It ensures that you are compensated for all medical expenses and lost income resulting from the accident.

Collision Coverage

Collision coverage offers you protection when you get in a collision accident. For instance, it can be a head-on collision with another car or when you hit a fence or an electricity pole. This coverage can help with the cost of repairing your vehicle.

To enjoy the above coverage in Porter, TX, be sure to contact JSI & Associates, where we will help you pick a suitable auto insurance policy for your car.

Do I Need Boat Insurance throughout the year?

If you are a boat owner in Porter, TX, you may be asking whether you need boat insurance all year round. While you may get the urge to cancel your boat insurance when not using it, JSI & Associates advises against this move. Here are the reasons you need to carry your boat insurance throughout the year. 

It may be required

While watercraft insurance isn’t mandatory as per Texas law, you may be required to maintain one throughout if your boat is financed through a loan. Lenders require boat insurance to safeguard their financial interest since many boat owners don’t have the cash to compensate the lenders when something happens to the boat. However, whether boat insurance is required or not, it’s a wise choice to consider this investment.

Risks exist outside the water.

Yes, you are not likely to have boating accidents since you aren’t using your boat, but your boat isn’t 100 percent safe even when parked. Unforeseen risks like vandalism, theft, fire, falling objects, and other perils are still large even when you are not in the water. 

Mother Nature doesn’t have an off-season.

While you may not be using your boat, risks like hail, windstorms, lightning, and other natural calamities can still strike even when your boat is in storage. Since your boat costs thousands of dollars, it’s a good idea to incur a little more on boat insurance to safeguard your costly investment.

It saves you money

If you cancel your boat insurance during winter, only to renew in summer, this trend can be expensive in the long run. Here is the reason. Most insurance companies reward their customers who maintain their insurance all through by reducing their deductibles each claim-free year. Additionally, you are likely to get loyalty discounts if you keep your boat insurance all year round.

Boat insurance in Texas

If you had canceled your boat insurance, it’s time to start it up again. Whether renewing or shopping for new boat insurance, please contact JSI & Associates for a competitive quote.

Essential home insurance coverages for parents in Texas

Being a parent in Porter, TX comes with many financial responsibilities, including offering protection. You have to think about securing your home to protect your children and ensure fewer accidents in the house. That’s why many people buy home insurance to get financial protection against losses due to accidents, theft, and disasters. The basic coverages are designed to cover the home and everyone living in it. So, what coverages should you focus on as a parent?

Personal belonging coverage

Your homeowners’ insurance policy covers personal belongings for your family members, including your children’s toys. JSI & Associates recommends buying a separate policy if you have valuable items like artwork, furs, guns, and jewelry. It doesn’t matter if they’re yours, your spouse’s, or your children’s

Additional living expenses

The last thing you want is to send your children to live with relatives after a fire damaged your home. Additional living expenses coverage helps you settle in a new home and normally live like before. The policy ensures that your children can continue going to their current school from before the accident, and you also get to work on time without worrying about transport costs.

Liability protection

Every parent with young or teenage kids needs liability coverage. It protects you from lawsuits due to property damage and bodily injury caused by you or your children. It also pays for damage caused by your pets. For instance, if your 6-year-old son throws a stone and breaks a neighbor’s window, you will be held liable for the damage, and you can even be sued.

It is every parent’s wish to keep their children away from harm and danger. Fortunately, when accidents happen, you have somewhere to run to. JSI & Associates can help you find a home insurance policy that meets your needs. Call us or visit our Porter, TX offices, and we will be happy to help.

A Beginners Guide to Recreation Insurance

Recreational activities are a fun way to relax and unwind. However, varying risks lurk whenever people are in the outdoors, engaging in hiking, canoeing, or cycling. While you can’t sit at home and fold your hands to avoid accidents, you also don’t want to expose your recreational toys to potential damages without an insurance plan to cover you in case of losses. Our recreational insurance at JSI & Associates bridges this gap for individuals, companies, and clubs who use recreational toys in Texas. 

What Is Recreational Insurance 

If you live in Texas, your recreational activities are at risk if you don’t have a recreational insurance plan. Recreational insurance refers to the coverage for any asset, equipment, or toy you use in your recreational activities. Our recreational insurance plan at JSI & Associates helps our clients get coverage for the repair or replacement of their assets. This is important in case of theft or damages to your recreational toys or equipment. 

Recreational toys are prone to accidental damages or even vandalism. Without the right coverage, you might incur losses in your attempt to repair or replace such equipment.

Recreational insurance also provides reprieve for you if your toy, equipment, or asset causes damages to other people’s property. The fact that accidents are unpredictable means that you need coverage, which can help you deal with sudden damages. 

In case your recreational equipment causes bodily injuries to another party, you’ll be liable for the ensuing costs. JSI & Associates offers coverage for residents of Porters, TX, and surrounding areas in such cases. 

Benefits 

This coverage introduces a lot of advantages. Apart from having peace of mind, you also become fully prepared in case of any situation. Further, this coverage from JSI & Associates helps residents in Porter, TX find reliable recreational insurance to protect their outdoor activities.

Why You Need Auto Insurance

Most states require drivers to have auto insurance. If you’re a driver in Porter, TX, car insurance is mandatory. With JSI & Associates, your auto-insurance needs shouldn’t be a problem. 

The company will guide you on policies that suit your driving needs. If you’re yet to get auto insurance for your vehicle, keep reading to know why you need to make it a priority. 

Auto Insurance is Mandatory

States have their set of laws on minimum auto liability coverage required of drivers. Driving without insurance puts you at risk of legal penalties. It is crucial to consider a cover beyond the state’s minimum requirements to avoid high out-of-pocket expenses. 

Protect Yourself and Other People on the Road

With the right insurance, you’ll protect yourself, your car occupants, and other road users. Auto insurance will help you take care of any costs resulting from an accident, such as bodily injuries and property damage. You don’t have to worry about any repairs to your car. 

It’s a Requirement From Most Lenders

If you want to finance your car, you have to get the right auto insurance. No lender will risk investing in a vehicle that doesn’t have adequate protection. A collision or comprehensive coverage will help replace or fix the car in case of any damages. 

Peace of Mind

With the numerous car crashes on our roads today, being in one can happen any day. It doesn’t have to be your mistake. Auto insurance gives you confidence and peace of mind knowing that you have enough protection if you’re in an accident. 

It’s crucial to practice commendable driving behaviors to address common causes of car accidents. However, getting auto insurance should be a priority. With JSI & Associates, your auto insurance needs in Porter, TX will be met with the utmost precision. 

Call us today to get more details on this type of coverage. 

What does boat insurance cover?

Nothing speaks of prestige and accomplishment like your boat in Porter, TX. It would be best if you had the right insurance plan to protect your beloved possession. The agents at JSI & Associates can help you understand what boat insurance covers. 

What does boat insurance cover?

Boat insurance pays for physical and liability damages. Of course, the degree of coverage you receive largely depends on your monthly premium payments. Those who pay more may have a firmer safety net than policyholders who pay less per month in the hope of saving money. 

Liability coverage is the bare minimum that every boat owner should consider in Porter, TX. This type of coverage pays if your boat causes harm to others or damages property. A good liability insurance plan pays for incidents on the water and while the boat is docked. 

What does physical damage cover?

Physical damage pays for incidents involving common risks. Sinking, fire, and boats destroyed by storm are three of many common risks covered by physical damage stipulations. 

The best insurance plans pay for the vessel’s components like the motor, fuel tank, and batteries. Some physical damage plans also provide a financial covering for onboard safety equipment. 

How much boat insurance do you need?

The amount of boat insurance you need largely depends on how much you are willing to spend in monthly premium payments. How much insurance to buy is also dependent on your overall lifestyle preferences. 

The agents at JSI & Associates can help you craft an indemnity plan that fully covers your boat. They will listen to your preferences and make suggestions based on their expertise. Call JSI & Associates today to get started with a quote for boat insurance. 

Is home insurance required?

Home insurance is one of the best defenses against financial ruin in Porter, TX. Going without a good indemnity plan can lead to a strain on your finances when the unimaginable happens that completely alters your living conditions. Still, knowing the risks associated with going without insurance, some homeowners ponder the notion of not having a home indemnity policy. Is home insurance even required in Porter? The agents at JSI & Associates can help you understand. 

Is home insurance required?

There is no official law that requires Texas homeowners to have an indemnity plan. Flood insurance is offered through the National Flood Insurance Program (NFIP) and is required if you reside in an area prone to natural disasters such as hurricanes and tornadoes. Still, some homeowners in Porter, TX choose to go without even the bare minimum protection. 

What are the risks?

The risks of going without home insurance are great. You are responsible for all damages in an incident regardless of whether there is enough money in the bank. Some disasters require relocating in addition to rebuilding. You are on the financial hook for all of these expenses when you do not have home insurance. 

There is also the issue of natural disasters when you go uninsured. The NFIP is supported by FEMA, which means individuals in compliance have a safety net should a hurricane or tornado sweep their homes away. You do not have such support. It is not uncommon for a hurricane to annihilate a home. You are essentially stuck with the entire cost of rebuilding your home after a natural disaster if you go without insurance. 

How much home insurance do you need?

The amount of home insurance you need depends on several factors, including your lifestyle preferences in Porter, TX. Those who do not want to pay a lot of money out-of-pocket after an incident may choose to pay higher premiums for more coverage. 

An agent at JSI & Associates can help you determine the type of home insurance plan that best suits your family. Call us today to get started with a quote for coverage.

Is Recreational Insurance Required in Porter?

Having a recreational vehicle can be a ticket to fun weekends and wild nights. But it can also open you up to dangers that you might not have yet considered. Recreational insurance can be tricky in Porter, TX because it’s not always easy to discern exactly how something like an off-road vehicle will be covered. We’ll look at whether you need this coverage and why it pays to have the right policy. 

Use of the Vehicle 

Usually, you don’t have to have specific coverage for your vehicle if you’re not taking it out on any public highways. In this case, it would most likely be covered under your homeowner’s insurance policy. If you have a renter’s policy, you’ll need to check the terms. 

JSI & Associates has been in the insurance industry for a long time, and our staff knows that policy coverage can vary widely, though. Hence, it helps to know just how much consideration you’ll get if something happens to your property. And if you do happen to take your vehicle out on public roads, if only a few times a year, you need the right policy. 

Coverage Levels 

Regardless of how much your vehicle actually was, your insurance coverage is designed to protect you from so much more than that. Medical bills, lawsuits, property damage: the list of potential consequences can go on and on. Having a specifically designed plan for accidents and collisions can be exactly what you need to keep yourself out of hot water in Porter, TX. 

If you want to learn more about having the right coverage, JSI & Associates is here to give you the facts about whether you need coverage and what type of coverage you need. Give us a call today to find out more.