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

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.

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.

Spring Time Pet Safety Tips

Jennifer MinnitiMarch 25, 2024Minniti's Insurance Agency, Minniti's insurance, insurance agent, insurance agency, insurance solutions, pet insurance, NJ insurance agent, New Jersey insurance agent, Pennsylvania insurance agent, independent insurance agentComment

Home Renovations & Homeowner's Insurance

Jennifer MinnitiMarch 16, 2024Minniti's Insurance Agency, Minniti's insurance, insurance agency, insurance solutions, insurance agent, insurance, indoor flood prevention tips, Pennsylvania insurance agent, New Jersey insurance agent, NJ insurance agent, homeowner's insurance, homeownership, homeowner's tips, home renovation 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 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.

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.

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.

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.

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 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.

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.

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.

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:

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:

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

Giving the Gift of Pet Insurance This Holiday

Caring for a pet is an immense responsibility. However, some feel that despite this fact, getting one for a family pet during the holiday season can be a good idea. We agree. If you’re children and family are ready for the responsibility of an animal, then yes, do it! It can teach kids a lot of life lessons about empathy, trust, loyalty, patience, compassion, and of course, the responsibility of caring for something other than themselves. That said, an animal is a 10-20-year commitment. If your children are old enough to handle this and you are financially sound enough to care for them, then getting a pet is a great idea for the holidays. So, if you’re planning on getting another member of the family it’s important to make a list of things that you will also need when getting your furry friends.

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