mobile-callClick to Call
JSI & Associates

23830 FM 1314 Ste B
Porter, TX 77365

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

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, 


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.


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.

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!

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.

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!

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. 


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.

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.

How can recreation insurance protect my asset?

Anyone that lives in the Porter, TX area will have a variety of personal insurance obligations. One insurance responsibility that you may have could occur if you have a recreation toy. If you do have a recreation asset, it is crucial to get a recreation insurance policy as it could protect you and your asset in several different ways.

Coverage for Asset

A recreation insurance policy is that it can protect your assets. When you take out a recreation insurance policy, you will receive coverage that can help you to repair or replace the underlying asset. If there is a situation of theft, vandalism, or accident damage, the recreation policy will give you the protection and coverage you need. It is better to be safe than sorry.

Liability Coverage

It would help if you also got a recreation insurance policy because it can protect you in the event you cause damages to another party. If you cause an accident with your asset that causes damage to another person’s property or causes bodily injury, you will want to have a quality insurance policy. With recreation insurance, you can receive the liability coverage that you need to have peace of mind. 

As you are shopping for a recreation insurance policy in the Porter, TX area, it would be a great idea to speak with an insurance professional that you can trust. Picking the right recreation insurance policy for your situation can be a complicated decision, and JSI & Associates can make it much easier for you. When you speak with the team at JSI & Associates, the insurance professionals will be able to explain all of your options to you. They can then help you build a policy that covers your asset and provides you with peace of mind.