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JSI & Associates

23830 FM 1314 Ste B
Porter, TX 77365

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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.

Who is covered by my auto insurance

Auto insurance protects you and your assets, and if you choose additional coverage, it also protects your vehicle. Texas requires that you show you can pay for any damage you cause as the result of an auto accident. Most people opt to do this auto insurance. You must carry $30,000 per person for injuries and a total of $60,000 per accident. $25,000 in property damage is also required. This coverage is for you in your car, but who is covered by your auto insurance?  At JSI & Associates in Porter, TX, we are a customer-centered, locally owned independent insurance agency. We do the work so you can get the right insurance at the right price. 

Nobody but you would drive your vehicle in an ideal world, and you would never drive any other vehicle. Of course, we don’t live in an ideal world, which brings up the issue of whether your insurance covers you or your vehicle. The simplest answer is that in Texas, the insurance goes with the vehicle. Within your family, the people who live in your house, there is no question that they have the same coverage on your vehicle as you do. 

But let’s imagine that a friend or family member who doesn’t live in your house has an emergency and needs to borrow your vehicle. Whose insurance covers an accident they cause with your car? Your insurance does, and whatever deductible you have will need to be paid. Unfortunately, your insurance premium is also the one that will go up. 

Auto insurance will protect you in most scenarios. If you have any questions about the coverage you have or what is covered at JSI & Associates in Porter, TX, we would love to sit down and discuss it with you. Give us a call for an appointment to talk about insurance coverage.

Boat Insurance Coverage Options

While boat insurance is not a requirement in Texas, it is a good idea to have a policy in place to protect the investment of time and money you have put into your boat. Many people are under the impression that their homeowner’s insurance will cover their boat, especially if it is damaged while parked on their property, which is not the case more often than not. It is best to have a separate policy for your boat to cover it in the water and on land.

Boat insurance will provide coverage for most boats, from small fishing boats to yachts and pontoons. It will cover not only the boat itself but its engine, trailer, and even your personal items that are on the boat, depending on the type of coverage you choose.

Here are some boat coverage options you may want to consider:

Collision Damage and Liability Insurance

If you are driving your boat and it collides with another ship or an object, such as an incident in which you hit a dock, the part of your policy will pay to repair or replace your boat and cover the property damage you caused. It will also cover any injuries caused by an accident deemed to be your fault. These types of coverage options can also be obtained separately and are referred to as bodily injury liability and property damage liability.

Comprehensive Coverage

Comprehensive coverage will cover your boat if it is damaged by a fire, natural disaster, or vandalism and also if it is stolen.

Additional Coverage Options

You can also add-on other types of coverage options to your boat insurance policy, such as roadside assistance, personal property protection, and uninsured coverage.

To learn about the best Boat Insurance Coverage Options for you and your situation, please contact the experienced and trusted boat insurance agents at JSI & Associates in Porter, TX.

Tips for Getting your Home Ready for Fall

Owning a home is a never-ending job. Every season requires you to be prepared for the hazards the season can bring. As summer fades away and the days and nights become cooler, it is time to prepare your home for the change of seasons. While Texas is not known for its glorious autumn colors and weather, most parts of the state have at least a couple of weeks that transition summer into winter. Any time of year is an excellent time to consider your home insurance coverage. JSI & Associates in Porter, TX is a customer-centered agency whose goal is to develop a long-lasting relationship with all of our clients.  

Clean your chimney

Every year more than 25,000 chimneys catch fire. A fire in your chimney can lead to a devastating home fire. When the evenings start to get cooler, you may be tempted to start a fire in your fireplace. If you can’t remember the last time your chimney was cleaned, don’t do it. Either clean your chimney yourself or hire a chimney cleaner to get the job done. 

Clean your gutters

Gutters get clogged easily. Clogged gutters can cause a lot of damage to your home and your roof. You can hire someone to clean your gutters or do it yourself, but don’t wait until it becomes an issue to get it done. Installing gutter covers can solve the problem permanently.

Check your windows and doors.

Leaks around your doors and windows not only cause drafts. They are wasteful. Making sure your house is nice and snug for the coming fall and winter makes good economic sense and is beneficial all year. 

Whether you need a first time home policy or you would like your current policy reviewed, JSI & Associates in Porter, TX is the agency to contact for locally owned customer based service. Give us a call to set up an appointment.  

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. 

Four Auto Insurance Terms You Must Be Familiar With

Purchasing insurance can be a little confusing and even a bit intimidating. The terminology alone can frequently create blank stares of confusion. It’s one of the benefits of dealing with a locally owned, independent insurance agency like JSI & Associates. We serve Porter, TX, Houston, and the entire state of Texas with a range of loss prevention products. We are here to answer your questions, assist in finding appropriate coverage, and shopping for competitive rates.

If you are in search of auto insurance, you don’t have to know everything about it. It can be beneficial, however, to understand these four basic terms.

1. Adjuster

If you have a claim on your auto insurance due to an accident, you will likely encounter an adjuster. This is a professional employed by your insurance company to settle claims brought about by policyholders. The adjuster is charged with evaluating each claim and is authorized to make payments to policyholders based on the terms of their policies.

2. Declaration Page

This is a valuable summary page of your insurance contract that contains information such as the name of the policyholder, a description of the insured property, the period the coverage is in force, and the type and amount of coverage. It is frequently the first page of a policy and is commonly referred to as a “dec page” or “dec sheet.”

3. Deductible

The deductible is the amount an insured is responsible for paying before policy proceeds are paid on a claim. Standard deductible amounts for Comprehensive and Collision coverage range from $250 to $1,000. The higher your deductible, the lower your auto insurance premiums may be. In a claim, however, larger deductibles will likely mean more out of pocket expenses.

4. Independent Agent

An independent insurance agent is a professional who represents the products of multiple insurance companies. Since they do not serve as employees of any single company, they are free to “shop” a variety of companies, working in the best interests of their clients.

JSI & Associates of Porter, TX is an independent insurance agency willing to do the shopping for you when it comes to auto insurance. Contact us to provide some necessary information, and let us go to work for you.

Does boat insurance cover for both recreation and commercial activities?

Texans enjoy the adventure of boats, but just like cars, boats come with risks. If you are a boat enthusiast in the Porter, TX area, JSI & Associates recommends buying watercraft/boat insurance to help you stay covered. Since boats can be used for both recreation and commercial activities, it is essential to understand the insurance part of it.

Can boat insurance cover my recreational and commercial activities?

The simple answer to that question is no–boat insurance cannot cover commercial and recreational activities in the same coverage. In most cases, your insurance provider will require you to purchase both commercial and boat insurance. 

Why boat insurance cannot cover commercial activities

Commercial insurance is critical, especially if you are earning money through fishing or ferrying people. You will need to have a specific enterprise or income-generating activity that will be filed by your insurer. That means that you will need to be quite specific about what you want to do in order to receive the best coverage. An insurance professional at JSI & Associates can help you determine what policy is best for your needs.
You also need to understand that working and playing are two different things. Both choices have unique risks. For instance, recreational activities may involve having fun in the water, which poses even riskier situations to the participants. If you are ferrying people and earning from that, you may need to carry insurance as a form of protection for your boaters.

Why boat insurance is important 

While boat insurance is not mandatory in most states, it is a critical coverage for the boating enthusiast. Insurance varies based on the size, value, and type of watercraft. These factors determine the amount of coverage you will need. Small boats, particularly those that do not use engines, can be covered under home insurance.

Feel free to visit JSI & Associates in Porter, TX for all your insurance needs!

How much home insurance do i need to adequately cover my home?

If you are living in Porter, TX, you are probably wondering how you can adequately cover your home. A home is a substantial financial investment that sometimes takes an entire lifetime to repay in the form of mortgages. Ensuring that your home is fully covered to mitigate loss through any type of financial liability is essential. Keeping essential assets safe in your home is also crucial. We at JSI & Associates will walk with you in ensuring that your home is fully covered. Here are a few things you need to know:

What is home insurance?

This is a policy that covers you against any financial obligation in case your home is affected by natural disasters, accidents, or theft. A standard home insurance policy covers the structure of the building and the contents in case of a disaster such as a fire. This policy also covers legal liability in the form of lawsuits arising from any injuries or other people’s property damage. 

How to ensure your home is fully covered

Read the contents of the policy document

It is essential that you read the policy document before signing. It is crucial to know that the amount you are paying in terms of a premium does not necessarily mean that everything in your home is covered. Discuss carefully with our agents at JSI & Associates about the various essential items in your home to have them covered.

Additional living expense coverage

Where the home insurance policy does not cover certain items, consider buying additional living expense coverage. In cases where you are living far away from your home, depreciation is likely to occur if it is not kept up with regularly. The additional living expense coverage will cater for the extra cost to renovate your home back to order.

Please visit us or give us a call when you are in Porter, TX for more information on a home insurance policy.