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ASZ International, Inc.

200 Summit Lake Drive
Suite 220
Valhalla, NY 10595

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Will My Landlord Require Me To Get Renters Insurance?

When you move into an apartment, you should consider getting renters insurance. At ASZ International Inc. in Westchester, NY, we can help you select a renter’s insurance policy within your budget. We collaborate with multiple carriers, ensuring we find the very best insurance for your needs. If an insured event occurs, renter’s insurance can assist in your recovery, sparing you financial stress.

You may have questions about renters insurance requirements if you have never lived in an apartment. Don’t worry; we are here to support you! Here is what you must know about renters insurance.

What Is Renters Insurance?

Renters insurance is a type of policy offering financial reimbursement to cover the cost of repairing or replacing personal belongings in the event of a covered situation. Additionally, it covers your living expenses if a covered event forces you to move out of your apartment temporarily. Please note that renters insurance only applies to those renting their home and does not cover the structure you live in.

Is Renters Insurance Required?

Renters insurance is not a standard requirement in most apartments. If it is required, your landlord will inform you. However, it is generally safe to assume that most landlords do not require tenants to have this sort of insurance.

Why Should I Get Renters Insurance?

Even if your landlord does not require renters insurance, it’s still beneficial to have it. Renters insurance can provide peace of mind, plus, should a covered event occur, it can save you a substantial amount of money.

Our qualified professionals at ASZ International Inc. in Westchester, NY, can help you find the right renter’s insurance policy. Contact us today to discover the best renter’s insurance policy for you.

The Proper Insurance Coverage Protects Your Motorcycle and You!

Before hopping on your motorcycle and enjoying the thrill of the open road, ensure your insurance is up-to-date. Motorcycle insurance is much more than a legal requirement; it’s a smart layer of protection. Just like wearing the right helmet and riding gear, the ASZ International Inc. Westchester, NY team encourages you to review your policy and get the right coverage for any unexpected event.

Why Review and Update Your Motorcycle Insurance?

Life changes all the time, and so does insurance coverage. If you reduce your coverage to only comprehensive during the off-season when your bike is parked, you’ll need to add collision insurance before riding again. Additionally, if you plan on taking passengers along for the ride or have modified your motorcycle, these should be covered, too.

Here’s a helpful checklist:

  • Comprehensive Insurance Coverage: Comprehensive coverage protects you from non-collision damages like fire, theft, and vandalism. This is perfect for long periods when you aren’t riding your motorcycle.
  • Collision Coverage: Collision coverage protects you from accidents that occur while riding your motorcycle. Before riding again, reinstate you removed the coverage.
  • Liability Insurance: If you plan to allow passengers to ride along, you should have liability insurance that covers any injuries you might cause to others while riding with you.
  • Uninsured/Underinsured Motorist: Unfortunately, many drivers on the road don’t have any insurance coverage. Uninsured and underinsured insurance covers you for damages caused by others who don’t have any or enough coverage.

Protect Yourself With Proper Insurance Coverage

Get the right insurance coverage in New York and New Jersey. Our expert team at ASZ International Inc. in West Chester, NY is here to help you with your motorcycle and insurance needs. Contact us today.

Three Types of Protection in Your Boat Insurance Policy

Boat insurance is fairly similar to auto insurance. And like auto insurance, you need it to protect yourself from liability and enormous costs that can be due after a boating accident. Like accidents on land, accidents on the water are common and can be extremely expensive. Anyone with a boat needs boat insurance to protect themselves and their property. There are several types of protection that you can get with your boat policy, and each delivers essential coverage. When you need boat insurance, you can turn to us. Call us at ASZ International Inc. in Westchester, NY. 

Bodily Injury Liability 

This type of protection is essential for any boat policy. It protects you against liability if you’re at fault for an accident injuring another party or parties. Getting injured is common when there’s a boating accident, and the cost of those injuries can be serious. With the high cost of medical care, it’s never a good idea to go boating without boat insurance. 

Property Damage Liability 

When you get into a boating accident, it’s possible to cause damage to another person’s property. This may be a dock, a boat, another watercraft, etc. The damage that’s done can be expensive to fix. The boat may even need to be replaced. If you don’t have boat insurance, all those costs would be yours to bear. It’s vital to have this coverage to protect yourself. 

Collision Coverage

You need this type of protection to protect against damage that can happen to your own boat. It pays for the repairs you’ll need to your boat after an accident. Your boat is a significant investment, and you need to protect it.

Get Boat Insurance

When you need boat insurance, call ASZ International Inc. in Westchester, NY.

Is it always a good idea to have umbrella insurance when I am in New York?

When you live in the Westchester, NY, area, you will always want to know that you have appropriate personal insurance. One type of coverage everyone here should consider getting is umbrella insurance, which offers helpful liability insurance support. There are a lot of reasons always to consider getting this coverage. 

Prepared for Unexpected

One reason you should always have umbrella insurance when you live here is to ensure you are prepared for the unexpected. Liability insurance is also important. While you might have some coverage through home and auto policies, these plans would not cover other types of risks. An umbrella policy offers blanket protection and will ensure you are prepared for risks you are not even thinking about today.

Major Claim Support

Getting umbrella insurance is also a good idea to ensure you are prepared for significant claims. Even if you have other types of liability coverage, there will be coverage caps. When you also have umbrella insurance, it will provide support on top of the existing policies. This ensures that you have additional support if you are found liable for an accident that comes with extremely significant damage.

When you are trying to protect yourself in the Westchester, NY, area, you need to make sure that you are properly insured at all times. A great way to do this is to call our team at ASZ International Inc. to learn more about umbrella coverage. Our professionals at ASZ International Inc. offer any support you need to ensure you have appropriate insurance and liability risk mitigation. 

Residential Flood Insurance Claims Process Steps

Steps to Take in Filing a Flood Claim

Dealing with the aftermath of rising waters damaging your property can be a harrowing experience. Understanding the necessary steps to process your insurance claim following a flood can help manage this stressful situation. The following details explain the steps you should undertake in case of a flood.

Prioritizing Safety

Your first step after a flood should always be to prioritize safety. While it’s necessary to file your claim promptly, it’s crucial to ascertain whether it’s safe to do so. If your property is severely flooded, avoid taking risks, vacate the property, and get in touch with the agent managing your insurance policy.

If the flooding isn’t severe, you can remain on the property while filing your claim. However, ensure electrical disconnection to avoid potential shocks from wet wiring within your home.

Presenting Supporting Evidence

Supporting evidence serves as the basis to validate your insurance claim. The condition of your house and the belongings within your home will be appraised before your insurance claim is approved. Avoid moving any items within your home; an insurance adjuster will inspect the premises.

Taking photos of the current state of your home and the damaged contents with your phone’s camera is advisable. The insurance adjuster will also take pictures of the damage for further assessment.

Filling Out the Claim Form

The claim form is instrumental in recording information about the flood. The form will require your address along with comprehensive details about the damage. It must be duly filled, signed, and dated. Upon insurance claim approval, the restoration of your home can commence.

Immediately get in touch with ASZ International Inc. in Westchester, NY, if you experience flooding. An appointment with our agents, who serve Westchester, NY, will provide essential assistance with your insurance claim.

What are the differences between an Insurance Policy and a Bond?

Navigating between an insurance policy and a bond can be confusing, often resulting in individuals seeking the wrong type of coverage. Many mistakenly perceive minimal differences between the two and encounter frustration when attempting to secure the appropriate product. Bonds and insurance policies indeed offer protection, yet their nuances regarding beneficiaries, methods of protection, and financial responsibilities set them apart significantly.

A prevalent misunderstanding arises when individuals or agents encounter the term “fidelity” in contracts or client requirements. This often leads to requests for a Fidelity Bond when what’s needed is a Crime Policy. While both address fidelity exposures, they do so in distinct manners.

So, what exactly distinguishes an Insurance Policy from a Bond?

Contract Structure:

A Bond functions as a tripartite agreement involving an Obligee (requiring the bond), a Principal (seeking the bond to meet Obligee requirements), and a Guarantor (usually a surety company issuing the bond). Essentially, a bond serves as a form of credit and is typically only issued when demanded by a third party (Obligee).

On the other hand, an Insurance Policy is a simpler bilateral contract between an insured party and an insurer. No external party’s requirement is necessary for policy issuance.

Protection Mechanism:

Bonds act as a credit mechanism safeguarding the Obligee by guaranteeing payment from the Principal. In case the Surety Company pays a claim, reimbursement is expected from the Principal.

Conversely, an Insurance Policy shields the insured against specified losses.

Underwriting Process:

Bond issuance depends on the Principal’s capability to compensate the Obligee in the event of a claim. Depending on the bond type and magnitude, Principals might need to furnish audited financial statements and bank records to demonstrate their capacity to cover potential losses.

In contrast, Insurance Policies are underwritten based on predetermined risk criteria and the insured’s exposure profile. Risk is diversified across a pool of similar insured parties with comparable exposures.

Premium Structure:

Bond premiums are paid to secure the Principal’s fulfillment of obligations.

Insurance Policy premiums are structured to cover anticipated losses.

Expectation of Losses:

Bonds do not anticipate losses; thus, they are only issued to qualified individuals or businesses capable of providing the necessary guarantee. Qualification typically hinges on proving the financial capacity to cover potential bond losses.

Conversely, Insurance Policies are issued with the understanding that some losses will occur, and rates are adjusted accordingly.

Claims Handling:

For bonds, the Principal is responsible for reimbursing any claims, as the Surety Company acts solely as a payment guarantor to the Obligee.

In contrast, Insurance Policy claims are typically paid by the insurer without expectation of repayment from the insured.

What types of coverage does condo insurance provide?

Condo ownership can be an affordable way to get onto the property ladder, and it also offers maintenance-free exteriors, which are appealing to many people. At ASZ International Inc. in Westchester, NY, we provide the information you need about condo insurance so that you can make an educated choice. 

Property insurance

Condo property insurance covers the interior of the unit. The condo master policy covers the exterior. It covers things like plumbing, fixtures, electricity, and built-ins. 

Liability insurance

Your liability coverage with a condo policy is for the interior of your unit and your family members when they are away from your condo. It can cover your pets as well if they are not excluded.

Personal property insurance

Personal property covers things that you own in your condo unit. It covers them for things like theft and damage. They are covered when they travel with you as well. You can choose to cover your personal property for its current value or the cost to replace it. Some things have limits on the amount covered, and this includes art, antiques, and jewelry. A rider can extend this coverage. 

Loss of use coverage

If a covered peril damages your condo, you may not be able to stay in it for a period of time. If you have loss of use coverage, it will help to pay for a place to stay in the interim. This can be a hotel or a rental, depending on how long you will be unable to live in the condo. Some meals may also be covered if you don’t have a way to cook them yourself. 

Contact our office at ASZ International Inc. in Westchester, NY, when you have questions about condo insurance coverage. We can be reached on the telephone or stop in at our office. 

Health Insurance and Organ Transplants

Of all surgeries, an organ transplant is probably one of the scariest. This means first either being put on a waiting list or begging a family member for a spare kidney. Then there’s the whole process of removing a faulty organ to be replaced with a new one. Hopefully, your body won’t reject this new healthy organ. And then there’s the ugly business of paying for the whole thing plus the medication that needs to be taken afterward. This doesn’t even take into consideration the non-medical expenses. Private insurance may help, but chances are the cost of your care may exceed its cap. 

This Is Why You Need Secondary Insurance

Due to emergencies such as an organ transplant, it may be a brilliant idea to have secondary insurance in addition to primary insurance. This can be obtained through a private company, your employer, or the government. If the primary insurance is tapped out, you can fall back on the secondary insurance to recoup your losses. 

Medicare and Medicaid 

Medicare and Medicaid are both government-funded insurance that can pay for organ transplants. If you are disabled, over age 65, or diagnosed with end-stage renal disease, you may qualify for Medicare. The spouse of someone with Medicare may also be covered. Medicaid is based on family size and income level. 

Contact ASZ International Inc. Serving Westchester, NY

Getting secondary insurance and having it on standby before you need it is a good idea. If you need health insurance and are in the Westchester, NY area, please contact ASZ International Inc. Our knowledgeable and compassionate agents will help you get what you need. 

What Your Teen Needs to Know About Auto Insurance

We at ASZ International Inc. know that buying car insurance for your Westchester, NY teen can seem challenging or even impossible. However, we can help you streamline this process by letting you and your teen know what is important about your policy and how to pick them effectively. 

Costs Will Vary 

Teens will have very high insurance bills, though the exact cost can vary depending on many factors. Most insurers will ask for more simply because a teen is at a higher risk. Thankfully, you can bundle this policy with yours to cut back a little on their expenses. 

Proper Coverage is Important 

You might be tempted to buy the least amount of insurance policy for your teen’s car. That’s a mistake because, as a more at-risk driver, they’re more likely to crash. It’s a better idea to get the best policy possible to ensure they’re as safe as possible from danger.

Discounts are Available 

If your teen shows they can safely drive for a specific amount of time (varies by provider), they can get Safe Driver discounts. Taking driver’s safety classes can also reduce expenses and improve policy coverage. Even better, student discounts are available for many teens. 

Yearly Payments Save Cash 

While setting up a monthly payment might seem more economically wise, yearly payments will save your teen more and make your insurance firm happy. Take it from us: we love it when you pay for everything for the year at once. 

Let Us Help You

Our team at ASZ International Inc. can help Westchester, NY, teens like yours get the help they need to manage various issues. Our group of experts is more than ready to provide the support you deserve, so please get in touch with us today to learn more about how we can help.

Slipped, Tripped Broke His Hip (Or Did He?)

You have commercial insurance for this very scenario. Someone takes a spill on your property and wants to sue. Commercial insurance could keep you from going bankrupt in such a predicament. However, you’re pretty sure you cleared that walk and salted it to keep ice from forming. You don’t recall spilling any water in that area and would’ve promptly put up a "wet floor" sign if you did. And that "victim" seemed to be hamming it up a little. Is this a fraudulent claim?

Red Flags

Fraudulent personal injury claims, on average, can cost $80 billion every year. Here are some red flags that may indicate a fraudster in the works. If the person is making a scene and threatening to sue before getting their "injury" treated, this is a big red flag. This is particularly true if they decline medical attention. A history of multiple lawsuits looks fishy. It’s the same if the "accident" happened away from surveillance cameras. Even if they have a witness, they may be in on it. Don’t be fooled, and don’t be afraid to lawyer up. 

What to do

If you suspect an injury claim to be fraudulent, act quickly. Gather the evidence. Take photos at the scene of an accident. Tell your attorney and insurance agent about your concerns. This will trigger an investigation. If there’s no proof of a serious injury, you will be in the clear. The person who tried to scam you could be facing some stiff penalties, though. Insurance fraud is a Class D felony in New York punishable by up to seven years in prison plus restitution. 

Commercial Insurance from ASZ International Inc. in Westchester, NY 

If you need commercial insurance and live or own a business in the Westchester, NY area, call ASZ International Inc. today. We are here to help you. 


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