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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.

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

Insurance Agency, Minniti's Insurance, Jet Ski SafetyJennifer MinnitiApril 21, 2024jet 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

Distracted Driving Awareness

Insurance Agency, Minniti's Insurance, Distracted DrivingJennifer MinnitiApril 8, 2024Minniti's Insurance Agency, Minniti's insurance, insurance agent, insurance agency, insurance solutions, insurance, independent insurance agent, distracted driving awareness, auto insurance, auto insurance tips, New Jersey insurance agent, NJ insurance agent, Pennsylvania insurance agentComment

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.

Insurance Agency, Minniti's Insurance, Insurance Spring CleaningJennifer MinnitiMarch 30, 2024insurance 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

Mortgage Protection Insurance

Insurance Agency, Minniti's Insurance, Mortgage ProtectionJennifer MinnitiMarch 3, 2024Minniti's Insurance Agency, Minniti's insurance, insurance, independent insurance agent, insurance solutions, insurance agent, insurance agency, insurance tips, insurance resolutions, term, mortgage protection insurance, New Jersey insurance agent, Pennsylvania insurance agentComment

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.

Increasing our communication: We’re dedicated to staying…

Insurance Agency, Minniti's Insurance, New Jersey Insurance, Pennsylvania Insurance, Insurance SolutionsJennifer MinnitiFebruary 25, 2024Minniti'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.

Insurance Agency, Minniti's Insurance, New Jersey Insurance, Pet InsuranceJennifer MinnitiFebruary 17, 2024Minniti'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

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.

Insurance Agency, Minniti's Insurance, Flood InsuranceJennifer MinnitiFebruary 7, 2024Minniti'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.

Insurance Agency, Minniti's Insurance, Life InsuranceJennifer MinnitiJanuary 31, 2024life 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.

Insurance Agency, Minniti's Insurance, Golf Cart InsuranceJennifer MinnitiJanuary 23, 2024Minniti'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.

Insurance Agency, Minniti's Insurance, Insurance ResolutionsJennifer MinnitiJanuary 14, 2024Minniti'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.

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:

Homeowner Tips, Minniti's Insurance, Insurance AgencyJennifer MinnitiDecember 27, 2023Minniti'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:

Auto Insurance, Insurance Agency, Minniti's InsuranceJennifer MinnitiDecember 19, 2023Minniti's Insurance Agency, Minniti's insurance, insurance, independent insurance agent, insurance agent, auto insurance, New Jersey insurance agent, Pennsylvania insurance agent, insurance agencyComment

Christmas Party Safety for Homeowners

Insurance Agency, Minniti's Insurance, Christmas Party Tips, Homeowner's InsuranceJennifer MinnitiDecember 11, 2023Minniti's Insurance Agency, Minniti's insurance, insurance, independent insurance agent, insurance agency, insurance agent, New Jersey insurance agent, NJ insurance agent, Pennsylvania insurance agent, homeowner's tips, homeowner's insurance, christmas party tips Comment

Protecting Your Packages from Theft

During the COVID pandemic, an unfortunate new trend emerged. People began to start stealing packages from others’ doorsteps. This new form of theft has been dubbed “Porch Pirating.” While the name is cute, there is nothing cute about having things that you worked hard for to buy taken from you. With the holiday season coming up, there will be a rise in stolen packages. Here are some tips to keep your packages safe.

Insurance Agency, Minniti's Insurance, Porch Pirate ProtectionJennifer MinnitiNovember 21, 2023Minniti's Insurance Agency, Minniti's insurance, insurance, independent insurance agent, insurance agent, insurance agency, porch pirates, holiday shopping, package protectionComment

How & Why Insurance Can Vary By State

We all know that when we move we have to let our insurance companies know and see how that will affect our rates. But, have you ever stopped to wonder why this is? Well, we’re going to break it down for you a little here. Let’s first look at homeowner’s insurance policies.

Homeowners: This can vary state by state due to how prone your area is to natural disasters and environmental risks. For example, if you live in Kansas versus New Jersey you will have to get a policy that specifically covers this type of high-risk disaster. Here are some things that will affect how much your homeowner’s coverage costs.

Minniti's Insurance, Insurance Agency, New Jersey InsuranceJennifer MinnitiNovember 6, 2023Minniti's Insurance Agency, Minniti's insurance, insurance, independent insurance agent, insurance agent, insurance agency, homeowner's insurance, auto insurance, life insurance, health insurance, New Jersey insurance agent, Pennsylvania insurance agent, how insurance varies by stateComment

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.

Insurance Agency, Minniti's Insurance, Cooking Fire SafetyJennifer MinnitiOctober 30, 2023Minniti'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:

Insurance, Minniti's Insurance, Insurance Agency, Halloween Homeowner TipsJennifer MinnitiOctober 23, 2023Minniti'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

Ways That Homeownership Increases Wealth

The American dream is different for everyone but no matter what it has always involved becoming a homeowner. Homeownership can change your life in more ways than most people realize. Not only will it provide comfort for you and your family in a space that you can make your own, but it can increase your wealth and the wealth of future generations in your family. It may seem like an unattainable dream but we promise you it is not. That’s an article for another day though. For now, here are a couple of ways that buying a home can increase your wealth.

Minniti's Insurance, Insurance Agency, Homeownership & WealthJennifer MinnitiOctober 16, 2023Minniti's Insurance Agency, Minniti's insurance, insurance, insurance agent, independent insurance agent, New Jersey insurance agent, Pennsylvania insurance agent, homeownership, homeowner's insuranceComment