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

Posted on March 29, 2024March 19, 2024 by admin

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

Posted on February 15, 2024February 14, 2024 by admin

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 types of coverage does condo insurance provide?

Posted on January 29, 2024January 29, 2024 by admin

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

Posted on December 29, 2023December 29, 2023 by admin

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

Posted on November 29, 2023November 29, 2023 by admin

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?)

Posted on October 30, 2023October 30, 2023 by admin

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.

What Exactly Does Homeowners Insurance Cover?

Posted on September 29, 2023September 29, 2023 by admin

If you’re currently paying a home mortgage, then you are aware of the importance of homeowners insurance. Even though your mortgage company requires homeowner’s insurance, you may not know what this type of insurance covers. Here is an overview of what homeowners insurance covers.

Damage to Your Home

There are different levels of homeowners insurance, but even the most basic plan covers damage to your home. This damage could be a result of fire, vandalism, or any number of other possibilities. Flooding is typically not covered under basic homeowners insurance plans, but adding it to your base plan is possible. Homeowners’ insurance typically doesn’t cover damage caused by lack of maintenance, and the thorough investigation that will be provided after a claim is filed will reveal whether this is an issue.

Liability Coverage for Injuries on Your Property

Most homeowners insurance plans will also provide liability coverage if someone outside your home is injured on your property. Perhaps a neighbor is bitten by your dog while on your property, or your newspaper delivery person slips on ice and breaks an arm because your snow and ice weren’t properly cleared away. In either of these scenarios, as well as others, your insurance policy will cover their medical costs and more.

When Additional Insurance is Necessary

Here are some things that may require you to purchase insurance in addition to a standard plan because, like flooding, these aren’t usually covered:

Expensive jewelry
Valuable artwork
Identity theft
Damage caused by an earthquake

Now that you know what homeowners insurance covers, you might be interested in switching to a new insurance company. If your home is in the Westchester, NY area, ASZ International Inc. can provide a quote, as we offer homeowners insurance and other types of insurance. Hopefully, the price we quote you will be affordable, and you will decide to try us.

Should I Add Towing to My Auto Policy?

Posted on August 30, 2023August 30, 2023 by admin

Most auto insurance policies don’t automatically include towing coverage. It’s usually something that you must add on for an additional cost. Some people, especially those with newer cars, opt to forego the towing add-on, as they feel it might be a waste of money. However, you might want to consider adding towing to your auto insurance policy, and here are some essential things to remember:

Car Accidents Can’t Be Predicted

Regardless of how new your vehicle may be, there’s always the chance that you could become involved in a car accident. If your vehicle cannot be driven, then having towing as part of your policy can save you some money.

Adding Towing Coverage is Inexpensive

If you’re worried about towing coverage causing your rate to increase exponentially, then you shouldn’t be. Towing coverage should cost you approximately $5-$15 a year. Of course, this will depend on many factors, so obtaining a quote is crucial before deciding.

Towing Coverage Can Be Paired With Roadside Assistance

Even when your vehicle doesn’t require a tow, there could be other reasons you need help while out on the road. If you run out of gas or get locked out of your vehicle, roadside assistance can help you get on the road again. Thankfully, roadside assistance is also an option that can be added to your insurance, so be sure to inquire about it for added protection along with towing.

If you need a new auto insurance company, we at ASZ International Inc. are here to serve you. We provide coverage for vehicle owners living in various areas, including Westchester, NY. Contact us, and one of our licensed insurance agents will be more than happy to provide you with a quote and get your insurance policy with towing coverage as an add-on if that’s what you decide.

Off-Road Adventures Covered: Recreational Vehicle Insurance for ATVs and Dirt Bikes

Posted on July 30, 2023July 30, 2023 by admin

Off-road adventures can be some of the most exhilarating activities one can experience. The thrill of riding an ATV or dirt bike through rough terrain is unmatched. However, what happens when accidents occur, and damage or injuries are incurred? This is where recreational vehicle insurance comes into play. If you are an off-road enthusiast living in Westchester, NY, we have you covered. ASZ International Inc. can cover everything you need to know about recreational vehicle insurance to protect you during your off-road adventures.

Recreational vehicle insurance is a type of insurance policy that provides coverage for vehicles used for off-road purposes. It covers damage incurred during accidents, theft, or vandalism. The coverage can include injuries incurred during accidents, including medical bills, lost wages, and other associated expenses.

Types of Recreational Vehicles Covered

Off-road insurance policies, including ATVs, dirt bikes, snowmobiles, and golf carts, cover different types of recreational vehicles. This means that off-road enthusiasts can enjoy their adventures in any vehicle without worrying about incurring hefty expenses should something go wrong.

Coverage Options

Recreational vehicle insurance policies come with various coverage to meet your specific needs. The coverage available may include liability coverage, collision coverage, theft coverage, uninsured/underinsured motorist coverage, medical payment coverage, and more.

By understanding what recreational insurance is, the types of recreational vehicles covered, coverage options available in Westchester, NY, and the benefits of obtaining recreational vehicle insurance, you can make an informed choice when selecting an insurance policy for your off-road vehicle. Contact ASZ International Inc. to ensure that you have adequate coverage for your recreational vehicle, and you can enjoy your adventures to the fullest with the knowledge that you are covered should anything unexpected happen.

How To Avoid Damaging Your Rental

Posted on June 27, 2023June 27, 2023 by admin

Renting is a great way to simplify housing. When you rent, you are not held responsible for many things homeowners are responsible for. However, it would be best if you remembered that you’re always responsible for ensuring that your activities do not damage the rental. At ASZ International Inc., we want to help the renters of Westchester, NY and the surrounding areas make intelligent choices while renting. Keeping reading to learn how to avoid damaging your rental.

Keep It Clean

When you don’t keep the rental property clean, you actually run the risk of damaging it. Problems like infestations and fire hazards can result from clutter and poor cleaning habits. Your lease will likely include instructions concerning your cleaning and yard maintenance responsibilities. Always follow these instructions to maintain a good relationship with your landlord and help keep the property safe.

Keep Parties Calm

Another way you can avoid damage is by keeping parties and events low-key. Whenever you invite others over to the rental, remember that you are still ultimately responsible for anything that happens. Just because the landlord owns the property does not release you from responsibility or liability if you purposefully damage it or allow others to damage it.

Report Maintenance Issues Quickly

If you notice a problem that needs maintenance, report it to the landlord quickly. If you fail to do this, the issue could create further damage. For instance, a leaky toilet may cause water damage to floors and walls if it is less unrepaired. You are responsible for reporting issues such as this so that the landlord can fix them and decrease the chances of worsening damage.

If you’d like to learn about renter’s insurance, contact us at ASZ International Inc., serving Westchester, NY, and the surrounding areas.

ASZ International, Inc.

Get a Quote Instantly

Compare your unique insurance quotes online via our comparative quoting form.