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Essential Jet Ski Safety

Summers “down the shore” are right around the corner. It’s almost time to break out the boats and PWCs. Jet skis can be fun but also very dangerous so it’s important to have good knowledge of proper safety protocols when driving them. If you’re the owner of a jet ski we highly recommend taking a boater safety course. However, if you’re out and you get the chance to ride someone else’s you may not have taken that course, so here are some tips to stay safe when driving or riding.

  1. Always wear a life jacket and make sure that it fits properly. It should fit snuggly around the mid-section and support your weight

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Insurance Agency, Minniti's Insurance, Jet Ski SafetyJennifer Minnitijet ski safety, insurance agent, insurance, insurance solutions, insurance agency, jet ski insurance, boat insurance, Minniti's Insurance Agency, Minniti's insurance, New Jersey insurance agent, NJ insurance agent, Pennsylvania insurance agentComment
Classic Car Insurance

The weather is warming up and that means it’s time to take your classic car out of the garage and take those nice drives up and down the beautiful coastline! Classic car insurance works a lot like “regular” car insurance. For those of you who have just purchased your dream classic car and aren’t sure how it works, this post is for you. First off, does your car qualify for classic car insurance? Classic car insurance is for cars 10-40 years old and has historical interests or collectible value. As we said, it works similarly to typical car insurance but there are some key differences.

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Auto Insurance, Classic Car Insurance, Minnitis InsuranceJennifer MinnitiMinniti's Insurance Agency, Minniti's insurance, insurance agent, insurance agency, insurance, independent insurance agent, New Jersey insurance agent, NJ insurance agent, Pennsylvania insurance agent, classic car insurance, auto insuranceComment
Spring Cleaning Your Insurance Policies

When we typically think of spring cleaning, we think of our homes and our cars. But, what about your insurance policies? This is a great time to reassess your insurance policies and take a look at whether or not you’re under or even perhaps over-covered. Here are a few things to take a look at when “spring cleaning” your insurance policies.

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Insurance Agency, Minniti's Insurance, Insurance Spring CleaningJennifer Minnitiinsurance agent, insurance solutions, insurance agency, Minniti's Insurance Agency, Minniti's insurance, independent insurance agent, NJ insurance agent, New Jersey insurance agent, Pennsylvania insurance agent, Spring Cleaning Your Insurance Policies, insurance tipsComment
How Insurance Companies Evaluate Claims
Insurance Agency, Minniti's Insurance, Insurance Claims ProcessJennifer Minnitihomeowner's tips, homeowner's insurance, auto insurance, auto insurance claims, homeownership, homeowner's insurnace claims, insurance, insurance claim process, New Jersey insurance agent, NJ insurance agent, Pennsylvania insurance agent, independent insurance agent, insurance agent, insurance agency, Minniti's insurance, Minniti's Insurance Agency, Global Green InsuranceComment
How We Help Provide Cost Effective Insurance Solutions for Our Clients

Our economy hasn’t been great since the pandemic and with the increasing cost of living, everything from groceries to insurance now costs more. We take pride in providing cost-effective solutions for our clients. Especially during these times. Here are our top 3 ways that we’re providing increased solutions for every client.

  1. Increasing our communication: We’re dedicated to staying…

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Insurance Agency, Minniti's Insurance, New Jersey Insurance, Pennsylvania Insurance, Insurance SolutionsJennifer MinnitiMinniti's Insurance Agency, Minniti's insurance, independent insurance agent, insurance, benefits of an independent insurance agent, insurance agent, insurance agency, insurance solutions, cost effective insurance solutionsComment
How to Choose Quality Pet Food

You go to the store to buy some food for your dog. You get there and realize there are so many options. You’re not sure how to choose the one that’s best for your pet. We get it. It can be confusing. Keeping your pet as healthy as possible to avoid vet visits is the goal for all of us. Choosing a good pet food contributes to the overall health of your pet. While we always suggest having an insurance policy for your pet, it’s better to not have any unwanted emergencies pop up. Here are some of our tips on how to choose quality food for your pet to keep them as healthy and fit as possible.

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Insurance Agency, Minniti's Insurance, New Jersey Insurance, Pet InsuranceJennifer MinnitiMinniti's Insurance Agency, Minniti's insurance, insurance, independent insurance agent, insurance agent, insurance agency, insurance tips, pet insurance, how to choose healthy pet food, NJ insurance agent, New Jersey insurance agent, Pennsylvania insurance agentComment
Home & Auto Deductibles Explained

We get it. Insurance can be confusing but we’re here to help you with that. All these terms thrown around like premium, deductible, etc. can be difficult to understand at times. Especially if you’re going through a claims process that can already be stressful. We want to take some time to break down the term deductible for home and auto insurance in this article. Understanding what these mean and what kind you have before damages occur is important. This will ensure that you are less stressed and more informed during the claims process. First, let’s look at what the term deductible is.

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Jennifer MinnitiMinniti's Insurance Agency, Minniti's insurance, insurance, independent insurance agent, insurance agent, insurance tips, insurance agency, deductible, insurance deductible, NJ insurance agent, New Jersey insurance agent, Pennsylvania insurance agent, homeowner's insurance, auto insurance, auto insurance tipsComment
Flood Risks & Flood Insurance Costs

There are a plethora of flooding risks in the New Jersey area, especially for those of you who live in coastal communities. Having a flood insurance policy on top of your homeowner’s policy is crucial to avoid unwanted out-of-pocket costs for damages from flooding events. With the climate changing all over the world, our natural disaster risks are also changing. Storm events are becoming more frequent and more violent. Here is a list of the most common possible flooding events in our area.

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Insurance Agency, Minniti's Insurance, Flood InsuranceJennifer MinnitiMinniti's insurance, Minniti's Insurance Agency, insurance, independent insurance agent, indoor flood prevention tips, flood insurance, outdoor flood prevention tips, New Jersey insurance agent, NJ insurance agent, Pennsylvania insurance agent, insurance agency, insurance tipsComment
Whole or Term Life Insurance?

Most people aren’t fully aware of the benefits of life insurance and how it’s more to protect your loved ones from having to pay out of pocket for expenses in the event of your death. Life insurance can seem complicated and there are a lot of options to go over. Here we will only discuss the differences between whole and term life insurance policies. Let’s look at whole life insurance first.

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Insurance Agency, Minniti's Insurance, Life InsuranceJennifer Minnitilife insurance, insurance, independent insurance agent, insurance agent, insurance agency, insurance tips, New Jersey insurance agent, NJ insurance agent, Pennsylvania insurance agent, whole life insurance, term life insurance, Minniti's Insurance Agency, Minniti's insuranceComment
Benefits of Golf Carts "Down the Shore"

Many Pennsylvanians and those living in New Jersey also have summer homes at the shore. If you’re from this area you’re probably familiar with this summertime “down the shore” lifestyle as they say. You also probably see a lot of golf carts on the street even if you’re visiting these shore towns. There are so many benefits to having a street-legal cart if you frequent shore towns and own a property there. Here is a list of some top reasons to invest in one this summer.

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Insurance Agency, Minniti's Insurance, Golf Cart InsuranceJennifer MinnitiMinniti's Insurance Agency, Minniti's insurance, insurance, insurance agent, independent insurance agent, insurance agency, golf cart insurance, down the shore, NJ Shore, NJ insurance agent, New Jersey insurance agent, Pennsylvania insurance agentComment
Insurance Resolutions for the New Year

It’s that time of year again when everyone begins to asses the year behind them and set goals for the new one ahead. Looking to the past, here are a couple of questions to ask yourself. What went well last year and what were those successes? What challenges did you face and what did you learn from them? What do I want to continue to do this year? What do I want to stop doing this year that no longer serves me? These answers don’t necessarily have to be insurance-related we just want to give you some food for thought for your reflection.

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Insurance Agency, Minniti's Insurance, Insurance ResolutionsJennifer MinnitiMinniti's Insurance Agency, Minniti's insurance, insurance, independent insurance agent, New Jersey insurance agent, Pennsylvania insurance agent, insurance agent, insurance agency, insurance tips, NJ insurance agent, insurance resolutionsComment
How Much Weight of Snow Can Your Roof Handle?

One of our carriers mentioned this topic the other day on LinkedIn and it got us thinking. Do our clients understand how much weight their roofs can hold? This will be very important in the winter months if we get heavy snow. Understanding how much weight (snow) your roof can handle can decrease the risk of damages and having to file a homeowner’s insurance claim. While it sounds like it would be a very difficult and mathematical task, don’t stress out yet, because it’s very easy to determine. Ok, so here we go. First, every roof is designed to handle about 20 lbs/square inch. Now, we must understand how to calculate how much snow is on the roof to determine how much weight is on it. The density of snow is important here. However, a rough guess will do. Here are the densities of snow and you can determine which one you think is most likely to be on your roof.

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Homeowner's Insurance, Minniti's Insurance, Insurance, Insurance AgencyJennifer Minniticalculating snow load on roof, homeowner's tips, home winter prep, homeownership, homeowner's insurance, winter storm preperation, tips to prepare for winter storm, Minniti's Insurance Agency, Minniti's insurance, insurance, insurance agency, independent insurance agent, insurance agent, insurance tips, New Jersey insurance agent, Pennsylvania insurance agent, NJ insurance agentComment
Auto Insurance Trend Predictions for 2024

Well, it’s officially 2024! Happy New Year! People are already out there making their predictions on what this year will bring to the insurance industry. As for car insurance, the outlook might be a little grimmer than we expected. Since the end of 2023, auto insurance rates have slowly been on the rise so this could be an indicator of what’s to come this year as they are expected to continue to go up. The reason for this is simple—inflation.

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Auto Insurance, Minniti's Insurance, InsuranceJennifer MinnitiMinniti's Insurance Agency, Minniti's insurance, insurance, independent insurance agent, insurance agent, insurance agency, auto insurance, auto insurance trends, auto insurance tips, New Jersey insurance agent, Pennsylvania insurance agent, auto insurance predictionsComment
Protecting Your Valuables with a Home Safe

As we all know, it’s essential to have homeowner’s insurance to protect our families’ valuables. Every year nearly half a million Americans lose their valuables in a home fire and a home burglary the average amount of valuables taken is around $2,661. These are just some numbers to think about. This is why having a good home safe for your most important valuables is necessary. Nowadays there are so many different types of safes out there but the reasons for them are all the same. Some reasons you may want to invest in a home safe are:

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Homeowner Tips, Minniti's Insurance, Insurance AgencyJennifer MinnitiMinniti's Insurance Agency, Minniti's insurance, insurance, independent insurance agent, insurance agent, insurance agency, New Jersey insurance agent, Pennsylvania insurance agent, NJ insurance agent, insurance tips, homeownership, home improvements, homeowner's tipsComment
Snowmobile Insurance

When we think of auto insurance, we typically don’t think outside the box except for daily vehicles. However, you can insure your ATVs, jetskis, snowmobiles, etc. In the winter months a lot of people love to get out into the powdery mountains skiing, snowboarding, and yes, even snowmobiling. A shocking 200 people die each and 14,000 are injured each year in snowmobile accidents. So, just like with auto insurance, injuries can happen. Damage to the snowmobile can happen as well as to your snowmobile or someone else.

That said, If you or someone you know owns a snowmobile for personal or business reasons, it’s just as important to insure this type of vehicle as your car. In some states, it is required to have. It works the same way as regular auto insurance. Premiums will depend on the make and model of the snowmobile, where you live, the coverage you choose, and discounts that you may or may not be eligible for. Insurance of this type is offered as comprehensive or collision. Additional types of coverage include:

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Auto Insurance, Insurance Agency, Minniti's InsuranceJennifer MinnitiMinniti's Insurance Agency, Minniti's insurance, insurance, independent insurance agent, insurance agent, auto insurance, New Jersey insurance agent, Pennsylvania insurance agent, insurance agencyComment