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Valhalla, NY 10595

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Debunking Common Myths About Recreational Insurance

Insurance is one of those topics that everyone knows they need, but few people understand. As a result, there are a lot of myths and misunderstandings about what recreational insurance covers. This blog post will set the record straight and debunk some of the most common myths about recreational insurance.

1. Myth: Recreation Vehicle Insurance is Expensive

The cost of recreational vehicle insurance is often one of the biggest concerns for people considering coverage. However, the reality is that recreation vehicle insurance can be very affordable, especially when you compare it to the cost of repairs or replacements if something goes wrong.

2. Myth: I Don’t Need Insurance if I’m Not Going to Use My RV Very Much

Many people believe they don’t need insurance for their recreational vehicle if they’re not going to use it very often. However, this isn’t the case. Even if you only take your RV out a few times a year, it’s still essential to have insurance in case of an accident or other unforeseen event.

3. Myth: All Recreational Vehicle Insurance Is the Same

Not all recreational vehicle insurance is the same. There are several different types of recreational vehicle insurance, each of which offers various coverage options. The type of insurance you need will depend on your recreational vehicle and how you use it. For example, if you own a motorhome, you’ll need a different kind of insurance than if you own a travel trailer.

4. Myth: I Don’t Need Insurance if I Have Homeowners Insurance

You might think your homeowner’s insurance would cover any damage to your recreational vehicle, but that’s not always the case. Many homeowners insurance policies exclude coverage for recreational vehicles or provide only limited coverage. To be sure you’re adequately covered, you’ll need a separate policy for your recreational vehicle.

Get Recreational Insurance in Westchester, NY

If you’re considering buying a recreational vehicle, it’s essential to understand the ins and outs of recreational insurance. Don’t let common myths about cost, coverage, and exclusions deter you from getting the protection you need. At ASZ International Inc., we can help you find the right recreational insurance policy for your needs. Contact us today for a free quote.

Does My Landlord’s Insurance Cover My Apartment?

While landlords in Westchester, NY are legally required to obtain dwelling insurance for their rental properties, this does not necessarily mean tenants are fully protected. Let ASZ International Inc. explain more about the risks tenants face and how you can protect yourself.

What Your Landlord is Required to Insure

The law says landlords must obtain dwelling coverage. But what does that mean? A landlord’s dwelling coverage is a policy that protects the structure of the building. In the event of a covered peril, such as fire, the policy will pay for the cost of repairing the damage to the structure.

This does not mean your personal property is covered.

What Your Landlord is NOT Required to Insure

Tenants are not protected against losses to their personal property. That means if your property is damaged, even in the same event, you will not be able to recover the value of your belongings. At least not without your own insurance.

Renter’s insurance is not required by law, but getting it is a good idea. It covers you and your property from perils such as:

  • Personal Property Loss (due to natural disaster or theft)
  • Loss of Use
  • Personal Liability & Medical

Some of these risks can even be covered when you are not home. For example, if your bike is stolen off the rack at the park, your renter’s insurance policy would cover that loss.

How Much Renter’s Insurance Do You Need?

The amount of renter’s insurance you need will depend on several factors, such as your income and the value of your personal property. ASZ International Inc. can help you determine the right amount of coverage for you. We will also help you understand how to compare multiple policies to find the best deal.

If you’re a tenant or about to become one in Westchester, NY, contact us today to get started!

Do You Have to Carry Motorcycle Insurance or Is it Optional?

At ASZ International Inc., serving the greater Westchester, NY area, motorcycle insurance is one of the types of insurance products that we offer our customers. One of the questions that we are frequently asked is whether you legally have to carry motorcycle insurance or whether motorcycle insurance is optional. Learning the truth can help you obtain the insurance you need to ensure you are complying with local laws. 

Do You Have to Carry Motorcycle Insurance in New York? 

In New York, you are required to obtain motorcycle insurance to register your bike. You are also legally required to get insurance and have insurance on the motorcycle any time you are operating it. The fines can be the same as auto drivers for motorcycle riders who do not obtain insurance. 

What Can Happen If You Do Not Carry Motorcycle Insurance? 

In New York, you can experience a wide array of issues if you do not obtain motorcycle insurance. If your car is not insured, you can be denied the vehicle’s ability to register. A law enforcement officer can also cite you for operating a motorcycle, something that carries a hefty fine. Finally, if you are involved in an accident and do not have insurance, you can be held financially liable out of your own pocket. 

If you are looking for motorcycle insurance in the greater Westchester, NY area, ASZ International Inc. would love the opportunity to help you. Reach out to us today to discuss your motorcycle insurance needs, and let us provide you with an estimate for a policy. 

Benefits of liability insurance for boat owners

Liability insurance for boat owners is vital, no matter what craft you have. The team at ASZ International Inc. has the experience and knowledge that Westchester, NY area residents rely on when it comes to all of their insurance needs.

Benefits of increased liability protection for boat owners

Liability protection is a no-brainer for boat owners. There are many different scenarios where you can be held responsible for damage, injury, or loss. For example:

  • Your boat is involved in an accident that causes injury to a passenger.
  • A vessel you are piloting causes damage to another craft or someone’s property.
  • Any mishap that occurs when you are transporting your boat to or from the water.
  • Someone slips and falls on your boat while it is in the marina.

This is just a very short list of the many situations that can cause a liability headache for a boat owner. If you want to avoid such an experience, liability insurance can help. When you have adequate liability protection, you can be covered for the expenses that occur in the above or similar mishaps.

While exact financial protection is dependent on the policy and coverage level that you choose, having robust liability protection is always a smart idea! If you think it’s time to take a closer look at your current boat insurance policy, give our office a call today to set up an appointment.

Let us help you find the right coverage for your needs

ASZ International Inc. is here to serve the insurance needs of Westchester, NY, area boat owners. If you would like to find out more about the range of available boat insurance policy options, give us a call today!

Umbrella Insurance FAQ

With so many different types of insurance products available, it is vital that you understand how these products work and which products will work for you. At ASZ International Inc, serving Westchester, NY, and the surrounding areas, we can help you navigate these topics to make sound insurance choices. Keep reading to learn about umbrella insurance and how it can benefit you. 

What Is Umbrella Insurance?

Umbrella insurance is a type of insurance product designed to add to your other policies. If you have a claim event on one of your policies and the expenses exhausted the coverage amounts, an umbrella policy can kick in to pay the difference. Without an umbrella policy, you would be responsible for paying any difference. This could present a financial challenge. 

Who Should Get Umbrella Insurance?

An umbrella policy can benefit anyone who would like extra coverage. Still, it is beneficial for those with many assets they wish to protect from liability. If an insurance policy is exhausted, your assets could be at risk. This could leave you financially vulnerable in the future. 

What Will Umbrella Insurance Cover?

You can add an umbrella policy to auto, life, health, and commercial insurance. The best way to understand how to make this policy work for you is to sit down with an insurance agent. This professional will be able to look at your particular set of circumstances and make insurance recommendations that will best benefit you. 

If you would like to learn more about umbrella insurance or any of our other insurance services, don’t hesitate to contact us at ASZ International Inc, serving Westchester, NY, and the surrounding areas.  

Flood preparation tips for Westchester, NY residents

Floods are the costliest and most destructive natural disasters in Westchester, NY, and other parts of America. They are also the most common and pose a tremendous threat to property and human life.  However, the damages don’t have to be severe if you take your time to put the necessary measures to prevent water from entering your home. 

ASZ International Inc recommends buying flood insurance to protect your financial security. In this article, you will learn four flood preparations tips to help you protect your Westchester home or commercial property.

Develop an evacuation plan

Your priority during any disaster is to protect yourself and your family. Before making other plans, you want to ensure that you have an evacuation plan. If you live in a high-risk flood area, plan to evacuate immediately after you receive a flood warning.  Even if the storm is expected to be less severe, you might still want to have an emergency evacuation plan if the situation worsens.

Create diversion

If you have lived in the same house for several years, the chances are that you already know the direction of the water flow. To prevent this water from entering your home, you can create a diversion by digging the water path and using cement bags to create a wall between the water path and your home.

Prepare an emergency supply kit

Once you have an evacuation plan in place, your next step is to prepare an emergency supply kit and keep it in different parts of the house in case you need to get out of the house quickly. Your kit should include enough water, flashlight, food, change of clothes, phone, cash, batteries, and a first aid kit.

Stay connected

It’s essential to keep in touch with your family members and friends. Always have a phone with you for communication in case you need help. Let your Westchester, NY family know the weather condition and stay tuned for emergency weather updates and warnings.

If you haven’t bought flood insurance yet, this is the best chance to get the policy and protect yourself, your family, and your property. ASZ International Inc can help you find a policy that fits your flood insurance needs and budget. Call us for more information.

Do all condo owners need to carry condo insurance in New York?

There are many benefits that come with owning a condo in the Westchester, NY area. Condos tend to come with a lot of amenities and reduced maintenance needs. While owning a condo can be a great option, you do need to ensure you have the right insurance at all times. There are a few reasons why the typical person will need to have condo insurance here. 

Insurance Offers Valued Protection

A key reason that you will want to have condo insurance is that it will offer valuable protection. Condo insurance offers various types of protection that will make it worth the investment. This can include providing you with coverage for the condo, any personal assets, and liability coverage. This will prove to be helpful if you incur certain types of loss or are found liable for an accident.

Insurance is Often Required

You should also get this coverage as it is typically required for condo owners. If you choose to purchase a condo, you need to abide by rules that are set by the home association. This typically will include requiring all owners to have a full condo insurance plan. Further, many condo owners will take out a mortgage when they buy their condo and lenders will require that you maintain condo insurance at all times. 

When you are assessing your needs for condo insurance in Westchester, NY, you can find that it is hard to choose the right plan. Fortunately, the team with ASZ International Inc. is available to help you. With so many choices to make when looking for coverage, ASZ International Inc. is a great resource as they will take a personalized approach to help you build and choose a plan that will protect your condo and ensure you are in full compliance. 

Do you have the health insurance that meets your needs?

ASZ International Inc. is your Westchester, NY area insurance partner. We are here to help our clients find the health care insurance that best meets their needs. If you are feeling overwhelmed about your health insurance options, we are here for you!

Make sure your health insurance policy meets your needs

Selecting a health insurance policy can feel overwhelming because there are so many options available. In addition to the available policy options, there are also provisions for deductibles, copay amounts, and lifetime caps. All of these variables can make it incredibly overwhelming when it comes to choosing your health insurance policy.

Luckily, your local agent is here to help! Sitting down with an experienced insurance agent can help you sift through all of the options and narrow down your choices. There are many different reasons why a high deductible plan may work for you but not for someone else. Likewise, there are many different factors that will weigh in your decision when choosing coverage levels. 

There’s no reason to despair! Simply reach out to an informed and friendly area agent and get the help you need to make an informed choice. Health insurance doesn’t need to be a stressful part of your life. Let us help you find the coverage that is most appropriate for your needs. 

Don’t wait, contact us today!

If you are a resident in the greater Westchester, NY community, we are here to help you with all of your insurance needs. ASZ International Inc. can help provide you with the information you need to determine the right policy for your needs. Give us a call or stop by our office today!

What to do when involved in an accident with an uninsured motorist

Most states, including New York, require drivers to have the minimum bodily injury and property damage liability. However, there are still drivers driving around public roads without insurance. So what happens when you’re involved in an accident with an uninsured motorist in Westchester, NY? Find out how you can handle the situation like a pro.

Call the police

Whether there are injuries or not, it’s always wise to call the police. If you’re dealing with an uninsured driver, it’s even more important as the report will help you get the compensation you deserve and make the claim process easier.

Stay at the scene of the accident

Even if there is no damage or visible injuries and the accident seems minor, don’t leave the scene until the police have arrived.

Don’t accept money

At ASZ International Inc., we understand that auto insurance is not cheap, and neither are claims. However, that doesn’t mean anyone can drive around without insurance. The driver may attempt to pay you a specific amount to silence you and avoid legal repercussions. Don’t accept, even if there is no damage or injury.

Swap information

The other driver may not have their insurance information, but they have their contact information, vehicle details, and other relevant information you might need. Don’t forget to speak to witnesses and get their contact information as well.

Document the damage

Capture any damage done to your car and take pictures and videos of the other vehicle. You should also note down the location, time, traffic signs, and the direction in each vehicle was traveling.  You will need this information during the claim process.

Having enough auto insurance is the best way to stay out of trouble with the law in Westchester, NY. If you need to update your policy and increase your limits, ASZ International Inc. is always ready to help. Call us today!

What Is Commercial Insurance And What Does It Cover?

What Is Commercial Insurance?

Commercial insurance is a type of insurance that was created to protect businesses, business owners, and employees. Commercial insurance plans protect businesses from unexpected losses, including vandalism, theft, fire, lawsuits, and others. Here is a list of the most common types of commercial insurance:

  • Property insurance. 
  • General liability
  • Workers’ compensation insurance 
  • Employment Practices Liability Insurance (EPLI)
  • Cyber liability insurance
  • Management liability insurance
  • Business Interruption insurance
  • Errors and omissions insurance 
  • Crime coverage

What Does Commercial Insurance Cover?

Unfortunately, there is no easy answer to the question about commercial insurance coverage. It is difficult to say what exactly commercial insurance covers because every business insurance policy is unique. 

However, there are common overall categories of business insurance that include liability insurance, workers’ compensation coverage, and employee benefits. Most companies need to carry general varieties to be able to engage in business operations. Those companies that deal with more unique and create issues may need to carry umbrella insurance that protects businesses against lawsuits. 

ASZ International Inc. in Westchester, NY – We Insure American Dreams, Both Big and Small

If you are a business owner running your business in Westchester, NY or any other surrounding town or area, and you are thinking of getting commercial insurance, you should contact ASZ International Inc. – an experienced insurance agency with years of experience that specializes in all types of insurance, including different types of commercial insurance as well. If you have any questions, or you want to get more information about the insurance options we offer, feel free to visit our website or give us a call. 

  • AIG
  • AM Trust
  • Chubb
  • CNA
  • CV Star
  • Employers
  • Erie
  • Great American
  • Guard
  • Hagerty
  • Hanover
  • Hiscox
  • Lemonade
  • Liberty Mutual
  • Metlife
  • Nationwide
  • Prime Insurance Company
  • Progressive
  • Pure Insurance
  • RLI
  • Safeco
  • Selective Insurance
  • The Hartford
  • Travelers
  • USLI
  • Zurich

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