Types of umbrella insurance

An umbrella insurance coverage safeguards you by adding additional liability protection against judgments in lawsuits that transcend the security of your automobile and homeowners policies. New York has diverse needs when it comes to insurance coverage. Umbrella insurance can offer even more liability coverage to save you money if you are deemed liable for a prevailing accident or loss. Connect with our agents at ASZ International Inc. and get customizable umbrella insurance quotes that help you save.

Umbrella Options

In today’s litigious society we live in, especially in Westchester, NY, it’s prudent to possess as much liability insurance you can afford. Umbrella insurance policy is a pivotal investment that can safeguard you from the possibility of financial ruin. Many New York residents think that acquiring an umbrella insurance policy is expensive. But this is not the case because it’s affordable depending on the amount of protection you receive.

Suppose the liability limits are depleted on your homeowners, automobile, or other primary insurance policies; your umbrella insurance kicks in and provides you with additional protection. Visit us today at ASZ International Inc. offices and speak to our compassionate agents who will help you get an outstanding umbrella insurance policy matching your needs and budgetary allocation.

Types of umbrella insurance policies.

Umbrella insurance policy protects you from lawsuits and very outrageous claims. It also extends coverage in the following areas:

  • Bodily injury coverage: If a guest experiences an accident while on your property, such as dog bites, umbrella insurance will help cater to medical costs or lawsuit fees that supersede the limit of your auto and homeowners policies.
  • Injury to reputation coverage: It protects against scenarios such as defamation, slander, and libel. If you bruise a third party’s reputation, whether in person or through a social media platform, he/she may slap with an expensive lawsuit. If you lose these lawsuits, umbrella insurance comes into play and protects you.
  • Property damages coverage: If you are engaged in an accident and repair cost transcends your automobile insurance liability, an umbrella insurance policy kicks in and settles the remaining charges. It also protects your rented equipment.
  • Court costs: Umbrella insurance policy is tailored to pay your lawyer fees when you have to defend yourself in a lawsuit.

Call us or visit ASZ International Inc., located in Westchester, NY, for more information about umbrella insurance.

Why you should not wait till the rainy season to buy flood insurance

Worries and uncertainty mar the onset of a rainy season in Westchester, NY. From icy cold weather to destructive floods, homeowners have a lot on their plate and have to find ways to prepare and stay comfortable throughout the season. Flood insurance may be what stands between you and the devastating financial losses caused by floodwater when it comes to floods. So, why should you buy your policy early enough? Here are a few critical reasons.

Flood insurance comes with a waiting period.

Unlike most policies that take effect immediately, flood insurance has a waiting period of 30 days. Despite covering an emergency, flood insurance can be unreliable if you don’t buy on time. For instance, if your home and valuables are damaged in a flooding event within the 30 days waiting period, you will not be compensated.  At ASZ International, Inc, we recommend buying flood insurance on time, especially if you live in a high-risk flood area.

Floods are destructive; it might just be too late.

A lot may happen between the time you buy your policy and the time it takes effect. Many flooding events come unannounced, and it only takes a few minutes for flood water to destroy everything you worked hard to get. In such a case, you may be at the losing end, particularly if you are rendered homeless by floods. Remember your insurance policy may not provide any payout until the policy matures.

Damage done during the waiting period is not covered.

By now, you understand how essential timing is. While many insurance companies in Westchester, NY allow you to buy insurance during the rainy season, the waiting period remains, and it will only be effective after the waiting period.

Don’t be a last-minute policy buyer. Let ASZ International, Inc help protect your property and loved ones from floods. Contact us for a good deal.

Should I get condo insurance in Westchester?

Anyone who lives in the Bergen, NJ or Westchester, NY will know how strong the real estate market is in this area. If you would like to buy and own a property here, a good option to consider is to buy a condo. Those that own condos will benefit from having onsite amenities and other benefits. If you would like to purchase a home in this area, you need to make sure that you get proper insurance through a condo insurance policy.

Insurance Will Protect Assets

You will need to get a condo insurance plan because it can protect your assets. If you are going to buy a home, you will be making a major investment that needs to be protected as well as possible. Those that invest in a condo insurance plan will get the coverage they need to repair their condo or even replace their personal assets.

Insurance is Required

It would be best to have a condo insurance plan because it could be a requirement for you. Those who buy a condo will likely have insurance requirements set by both their mortgage lender and their home association. It is important to know and follow these rules. If you cannot comply with these agreements, it could lead to a violation and penalization. 

If you would like to purchase a condo in the Westchester, NY area and are looking for a condo insurance plan, it would be wise to call ASZ International, Inc. The insurance professionals with ASZ International, Inc. understand this coverage’s value and will work hard to ensure that you get proper coverage for your situation. We can do this by assessing your needs and options to find the ideal policy. 

The Benefits Of Health Insurance Explained

ASZ International, Inc. serves the Westchester, NY community, and the surrounding areas, by offering multiple types of insurance policies. We strive to make searching for insurance a more efficient experience for our clients. We enjoy giving back, and we have established partnerships with several local nonprofit organizations.

The Benefits Of Health Insurance

Health insurance is an asset because it covers you during times when you aren’t feeling well. You will be covered if you have to go to the doctor if you are admitted to a local New York hospital. Health insurance also covers your routine checkup every year to make sure that everything is ok. Here is a look at some other benefits of health insurance.

If you visit your doctor because you aren’t feeling well and prescribe some medication, you can have some peace of mind because it will be covered through your health insurance policy.

Perhaps you suffer a serious injury that requires emergency surgery. The surgery is covered through your policy as well as your rehab. You can amend your policy to cover physical therapy, as well as counseling, if necessary. You can also add coverage to protect you if the injury is severe and you are disabled.

If you are trying different treatment methods, such as acupuncture or psychotherapy, you can amend your policy to cover you through the process. Modern health insurance policies are covering some of the recently advanced treatment options currently on the market.

If you’re pregnant, health insurance will cover you through the process. You’ll be covered regarding any care that you need before and after the birth of your child.

ASZ International, Inc. Will Help You Find Coverage

Visit our website today to learn more information on health insurance.

Is auto insurance in New York a necessity?

The Westchester, NY area can be a great place for anyone to reside. When you are a local, there are many professional opportunities and a great set of local amenities. When you want to travel to other areas, enjoying it as much as possible will require that you own a car. If you are a car owner here, you need to make sure that you get the right insurance. There are several reasons why having auto insurance here is a necessity.

Insurance is a State Requirement

Auto insurance is a necessity for New York drivers because it is a state law. When you want to drive a car in this state, you need to comply with state law regarding liability coverage. This form of coverage is required for all drivers, and it ensures that you will have the ability to pay for damages that you may cause in an accident.

Insurance Required by Lenders

You will also need to get auto insurance in this state if you have taken out a car loan. Those who finance a vehicle will have insurance requirements, which are set to protect the lender’s collateral. If you do not have a full collision and comprehensive policy at all times, you will be in loan violation.

Having auto insurance in Westchester, NY is a necessity for anyone with a vehicle. Due to this, it is important that you receive some guidance when looking for a new policy. You should contact ASZ International, Inc. if you are looking for a new policy. When you call the team at ASZ International, Inc., you can learn more about how insurance will benefit you. Our priority is making sure that you feel secure and confident with your insurance coverage.

Three reasons why your company needs commercial insurance coverage

As a business owner, you need to protect your company with insurance to avoid financial problems that could shut down your commercial operation. We offer commercial insurance coverage for your company in Westchester, NY at ASZ International, Inc.

The following are three reasons why your company needs commercial insurance coverage.

You are required to have some types of coverage by law.

There are many different scenarios where a company could be required to purchase commercial insurance. Commercial insurance is especially important if you have a staff of employees working for you. If you have employees, you may be required by law to purchase workers’ compensation coverage.

Another type of coverage that may be required by law is commercial auto coverage. If you use vehicles for business operations, you should know that personal auto coverage will not cut it. In this case, you need to invest in an auto policy specifically designed to cover commercial vehicle use. 

A lawsuit against your company could put you out of business.

Any company could face a costly liability lawsuit. It’s important to realize how expensive a legal defense is when a company faces a lawsuit. Without commercial coverage to pay your legal costs, your company’s future may quickly be put in jeopardy by a lawsuit. 

Being insured can make you more attractive to customers.

Depending on what industry your company operates in, your customers might want or expect you to be insured. This is especially true if you’re some contractor. 

Being insured can give your customers greater peace of mind and make it easier to find clients to hire you for important projects.

Find a commercial insurance company for your company with our help at ASZ International, Inc. We’ll be happy to help you find the right insurance solution in Westchester, NY today!

Is home insurance a good investment for me?

Owning a home in the Westchester, NY area can be a great long-term option. If you are in the market to purchase a home here, you should also spend time assessing your insurance needs. Getting a quality home insurance policy is a great option as it can protect you in many ways. There are several reasons why this insurance is a good investment. 

Gives Liability Coverage

One reason why home insurance can be a good investment is that it can protect you against liability risk. Anyone that owns a home is going to take on liability risk that could occur if a guest is injured while they are in your home. Fortunately, you can easily receive protection against this and other forms of liability risk by getting home insurance as it will give you some personal liability protection

Covers Your Assets

A home insurance policy is also a good idea because it can cover your assets. The home that you buy is likely the most valuable asset that you will ever own. When you do own a property, the insurance that you take out will protect it against fire, weather damage, and many other situations that could cause damage. These policies will also give you coverage for any of your personal belongings if they are damaged, destroyed, or stolen. 

Choosing a home insurance policy in the Westchester, NY area is a big decision and one that receiving guidance for would be beneficial. If you are looking for a new policy, you should call the team at ASZ International, Inc. When you do call ASZ International, Inc. you can learn a lot more about how getting proper insurance for your home can protect you and your property. The team can also help you build and choose a new policy. 

How to Add Teens to Your Auto Insurance Policy?

Upon reaching 15, your child earns their learner’s permit and terrifies you with the prospect of teaching them to drive. You also need to add them to your auto insurance, which should not terrify you since your friendly neighborhood insurance agent at ASZ International, Inc., serving Westchester, NY, can help you add them without issue.

If you plan to let your teen practice driving in the family car, you need to add your child to your auto insurance. That way, if they cause an accident, you are covered against liability. This also saves you from needing to add them later and offers an opportunity for them to take a defensive driving course before getting their full permit. This can net you a discount since you are probably paying their insurance.

You will typically find it cheaper to add a teenaged driver to your insurance than to purchase a separate policy for them. Either way, you should prepare for your premiums to increase because teens present the highest risk group of drivers.

You can get a discount by insuring multiple vehicles with the same insurance agency. If you and your spouse did not already do this, you could save money this way. If you help your teen get a vehicle, you can get a discount on the insurance by bundling that policy with that of the other vehicles. You can also lower your premiums by increasing your deductible. If you do not allow your teen to drive often, then ask about occasional and pleasure-only driver discounts or a usage-based insurance policy.

Contact ASZ International, Inc., serving Westchester, NY, to learn more about auto insurance for teens. We can help you insure your high-risk driver and help you all remain safer on the road.

What is Covered by Recreational Insurance?

People own recreational vehicles that travel on both land and water. If you live in the Westchester, NY area, there are certain types of recreational vehicles that require separate insurance and some that do not. The professional, friendly agents at ASZ International, Inc. can help recreational vehicle owners pick the right policy to cover their valuable investments.  

Class A, B, and C recreational vehicles are required to have insurance. Class A RVs are the largest type and are a home away from home on wheels, which can include everything from separate bedrooms with king-size beds, to space under the RV to store a sports car. They are, however, limited as to where they travel due to their size and hook up needs once parked. Class B RVs are more commonly known as camper vans are basic with a bed and some storage space, but can have bathrooms, dining areas, and sleep as many as six people. Class C RVs usually have the sleeping quarters over the cab and range from 20-30 feet. These RVs are generally not big enough to tow anything behind them but can have pull-outs and separate bathrooms. New York requires a recreational vehicle policy on these types of mobile homes. Recreational vehicles like fifth-wheel campers, pop-up campers, and travel trailers also qualify for an extra insurance policy, but it is not always required.  

Marine recreational vehicles include boats up to fifty feet, personal watercraft like jet skis, SeaDoos™ and WaveRunners™ can also be included with recreational vehicle insurance. Off-road vehicles like snowmobiles, dirt bikes, dune buggies, golf carts, and ATVs are also recreational vehicles which may need insurance policies. ASZ International, Inc. agents in the Westchester, NY area can discuss your options with you and help you decide on the best policy for your individual needs.  

What does renters insurance cover

As a renter in the Tri-State area, you are not alone. 38% of all housing units are rentals, which is a lot less than New York City, where 68% are rentals. You may wonder if you should have rental insurance and whether or not your landlord has insurance which will protect you. If you have lots of stuff, and most people do, you should probably consider getting renters insurance since your personal property is not covered under any insurance your landlord might have. At ASZ International, Inc., a team of local agents in Westchester, NY are waiting to make your insurance experience more efficient and enjoyable. 

Personal property

Like home insurance, renters insurance covers your personal property. If you have expensive electronics or jewelry, be sure to make sure that the limits on your policy reflect your needs. Your personal property is covered even if it is with you away from home in your car or suitcase. Things happen, and you want to make sure that what you own is protected. 

Liability

You never want to imagine that someone might sue you for an injury they receive at your rental, but bad things do happen. Legal representation and judgments can be costly, and knowing that you have protection brings peace of mind. 

Loss of Use

If something happens to your rental that makes it uninhabitable, you will need to have another place to stay. Your renter’s insurance will help with this additional expense as long as the reasons it is uninhabitable is covered by your renter’s insurance.  

When you are ready to discuss your renter’s insurance needs, the experienced team at ASZ International, Inc. in Westchester, NY will be there to answer any question you have and offer you a great selection of products to choose from. Stop by our office or give us a call for a no-obligation quote.