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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 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
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
The Importance of Insuring Expensive Jewelry

As the holiday season comes around quickly, this is a time for those BIG surprises that make everyone smile. This is a time for many expensive jewelry purchases for loved ones. With that, it’s important to understand why and how to insure these pieces. Aside from some having sentimental value, they are also worth a lot of money. It would be just as upsetting to lose for the financial loss as the sentimental one. Coverage isn’t as pricy as you think either. It’s typically about 1-2% of the value of the item per year. There are a couple of ways to go about obtaining coverage for your most precious jewels so here is a brief breakdown of the types of jewelry coverage out there.

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Jennifer MinnitiMinniti's Insurance Agency, Minniti's insurance, insurance, independent insurance agent, insurance agent, insurance agency, New Jersey insurance agent, NJ insurance agent, Pennsylvania insurance agent, jewelry insuranceComment
Cooking Fire Safety Tips

The holidays are here and there’s no better place to spend it with family than in the kitchen. We know so many families that get their holiday quality time cooking and baking together in the kitchen, including us! Making memories that last forever with family and friends is one of the best parts of the holiday season. Let’s do our best to keep those memories good ones and avoid any cooking fires. Unfortunately, autumn is when cooking fire claims tend to rise and they are already, “the number one cause of home fires and fire-related injuries in the home,” according to the U.S. Fire Administration. Here are some safety guidelines to follow when cooking to prevent fires.

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Insurance Agency, Minniti's Insurance, Cooking Fire SafetyJennifer MinnitiMinniti's Insurance Agency, Minniti's insurance, insurance, insurance agent, independent insurance agent, insurance tips, homeowner's insurance, homeowner's tips, cooking fire safety tips, cooking fire safety, New Jersey insurance agent, NJ insurance agent, Pennsylvania insurance agentComment
All Treats & NO Tricks This Halloween!

Trick or treat. Smell my… We all know the saying. Halloween can be an enjoyable time for kids and adults alike. It’s a time when we all get to dress up, eat some candy, play some games, etc. but it can also be a time when tricks become an issue for homeowners. Halloween is a time of home vandalism pranks. While most are harmless, some can be damaging to your home. It’s important to have good homeowner’s policies that will cover the costs to repair them. Some common vandalism pranks include:

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Insurance, Minniti's Insurance, Insurance Agency, Halloween Homeowner TipsJennifer MinnitiMinniti's Insurance Agency, Minniti's insurance, insurance, independent insurance agent, insurance agent, homeownership, homeowner's insurance, homeowner's tips, Homeowner Halloween Tips, NJ insurance agent, New Jersey insurance agent, Pennsylvania insurance agentComment