How to Add Teens to Your Auto Insurance Policy?

Posted on August 26, 2020August 26, 2020 by admin

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?

Posted on July 29, 2020July 29, 2020 by admin

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

Posted on June 29, 2020June 29, 2020 by admin

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.

What Motorcycle Insurance Coverage Is Required in New York State?

Posted on May 31, 2020May 31, 2020 by admin

Operating a motorcycle is no different than driving a car when it comes to insurance. It is necessary to have your motorcycle insured to get it registered and to protect yourself and others in the event of an accident. Having proper coverage is crucial to operate a motorcycle legally and to protect yourself if you are injured.

Getting proper insurance coverage is necessary to operate your motorcycle in New York. It will be needed for purposes of registration and personal protection. ASZ International, Inc. in Westchester, NY has many years of experience helping motorists with a variety of different insurance options.

Do I need motorcycle insurance?

You will need minimum liability insurance to operate a motorcycle in New York. The state does allow individuals to carry a financial security bond or have a financial security deposit, but typically people purchase insurance from a provider to get minimum liability insurance. Helmets are mandatory in New York, and failure to wear one can have a negative effect on coverage if there is an accident.

What kind of motorcycle insurance is required?

Motorcycles are no different than cars when it comes to insurance requirements. They require the same type of liability coverage as cars do. There are slight differences, and some states do require some form of personal injury protection. New York does not require additional personal injury protection, though you may choose to get this added. Bodily injury, property damage, and personal injury are covered with minimum liability insurance.

If you own a motorcycle and need quality assurance, the agents at ASZ International, Inc. in Westchester, NY can help. Give us a call to speak to a representative today to discuss your insurance needs for your new or used motorcycle.

Protecting Your Boat Adventures with Boat Insurance in Westchester, NY

Posted on April 29, 2020April 29, 2020 by admin

During the summertime, being able to enjoy the weather is what many individuals decide to do. Some people end up going to the lake to cook, swim, play sports, and have a good time. At the end of the day, having fun is a great thing, but we are here to protect you and your boat along the way.

ASZ International is based in Westchester, NY, and believes in taking a different approach as an insurance company. As an agency, focusing on the fact that insurance is a crucial investment and a commodity is a better viewpoint. Protecting the investment that individuals make for their boat should be taken with the utmost care.

What are some of the things that you should focus on when searching the market for boat insurance?

Bodily injury liability is one of the most important details of your coverage. Seeing that there is typically more than one person on a boat during the summer, protect yourself from medical expenses, just in case any injury happens on your boat. Property damage liability is also vital in the worst-case scenario that you are at fault for causing damage to someone else’s boat, docks, structures, or property. Collison damage is important in case you need something replaced on your boat or the boat repaired.

Would you like to talk to one of our agents about boat insurance options available for you? Please feel free to contact us via phone call during our business hours at (800) 694-0279. ASZ International in Westchester, NY is ready to help you find the policy you need and start you off with a quote.

Can You Benefit from Umbrella Insurance?

Posted on March 30, 2020March 30, 2020 by admin

Some people have the mistaken idea that umbrella insurance is only for the rich. If you own a home or have financial assets, you can benefit from what umbrella policies have to offer. Umbrella insurance provides extra liability protection above the limits of your home, condo, or auto liability coverage. In fact, you cannot purchase an umbrella policy unless you have another form of liability coverage.

Here’s what an umbrella policy from ASZ International, Inc. in Westchester, NY has to offer you:

Higher Liability Protection

Umbrella policies offer much broader liability protection than that provided by the typical home, auto, or condo policies. This extra protection will cover broad liability claims made against you for serious accidents you may cause. Umbrella insurance also protects you against issues that aren’t covered by other liability insurance, such as slander, libel, and defamation of character.

Umbrella insurance begins when your primary liability coverage runs out, so there are no gaps in your coverage. This extra coverage saves you from having to pay the damages of large liability claims out-of-pocket.

Protection from Lawsuits

Umbrella insurance protects you against lawsuits if a severe accident prompts someone to sue you for damages. A major lawsuit can quickly deplete you of present and future financial assets. The more assets you own, the greater your chances of being sued. Losing a lawsuit could cause you financial ruin.

If you participate in a sport that poses a risk to others, own an aggressive dog, or have a pool on your property, you may be more susceptible to a lawsuit in the event of an accident. Umbrella insurance can protect your home, savings, retirement funds, and even future earnings from large liability claims that can lead to a lawsuit.

To learn more about umbrella insurance policies, contact ASZ International, Inc. in Westchester, NY today.

What Every New York Resident Should Know about Flood Insurance

Posted on February 29, 2020February 29, 2020 by admin

The weather in Westchester, NY keeps changing and getting worse by the day. Tropical storms, Nor’easters, and severe thunderstorms have deluged the county with higher intensity and frequency.

At ASZ International, Inc., we recommend checking your area to find out if it is in a flood zone and taking the necessary safety and precautionary measures to lessen the effects caused by floods on residential homes and business premises. Here is what to do if you find out that you live in a flood-prone area.

If you are under a flood warning, evacuate and find shelter immediately.
Do not try to drive or walk through flooded waters and keep off bridges with fast-moving waters.
Determine how you can stay safe based on the type of flooding. You can evacuate, move to higher grounds, or stay where you are till help comes.
If flash floods are a risk in your area, monitor potential signs like heavy rains and stay up to date with the weather forecast.
Gather supplies in case you need to leave the house immediately while keeping in mind the unique needs for every occupant in that house, like medication and pet food. Have external phone batteries and other critical equipment.
Keep relevant and essential documents in a safe, waterproof container and create a password for digital copies.
If you have enough time, move your property, including valuables, to safer areas. Declutter all gutters and drains.
Depending on where you are and the effects and warnings provided by the government, determine a safe area to go or prepare an emergency exit plan for floods.
If you have been told to evacuate, don’t hesitate or waste too much time packing. Do so immediately.
If your vehicle is trapped in moving water, stay inside, but if the water is rising inside, seek refuge through the roof.

Another important thing on your things-to-do before flooding begins is to purchase flood insurance. Floods are not covered under homeowners’ insurance; therefore, it’s prudent that you have this separate.

In case you feel stranded or need further clarification on how to stay safe from floods, speak to ASZ International, Inc., and we will answer all your questions.

What Is Covered With Condo Insurance?

Posted on January 29, 2020January 29, 2020 by admin

Many insurance companies offer condo insurance policies but what it covers is different from one company to the other, as well as the premium. However, when you purchase your condo insurance from ASZ International, Inc., serving people from New York to Connecticut, it will come with the following coverage.

Loss Assessment

You will be compensated for your portion of any losses allotted to you by the association. An accident can happen at any time where your residents incur some losses. In such a situation, the association will share the losses proportionately. In such a situation, you’ll fall back to your condo insurance policy.

Loss of Use

If your apartment is uninhabitable, for some reason, you may have to lodge elsewhere depending on when it can be fixed. You will be compensated for the cost of lodging elsewhere and the cost of your transportation to the location.

Personal Liability

If you’re being sued for any damages, you’ll be compensated for your legal expenses from the claims against you, should you be found culpable. This is the most important coverage in the insurance policy as a single lawsuit could plunge you into debt.

Personal Property

When your furniture, electronics, and other movable goods get damaged or stolen, you will be paid the cost. In case your apartment is razed by fire or it gets flooded, many of your appliances will be damaged. This is where this coverage comes in handy.

Building Property

This coverage is for the unit itself and this also includes the fixtures and walls.

Bear in mind that this coverage can vary slightly across states and insurance companies. So, before you purchase it, always take the time to check what it covers. Initially, it may sound expensive, but in the long run, you will enjoy it. In fact, it is worth the cost.

Some associations make it mandatory for condo buyers to purchase the policy. For more information, contact ASZ International, Inc. in Westchester, NY.

Navigating Open Enrollment for Healthcare

Posted on December 31, 2019January 1, 2020 by admin

Figuring out the best healthcare plan for either yourself, your family, or your business doesn’t have to be a challenge. At ASZ International, Inc. in Westchester, NY, we want to make the process as easy as possible, so keep reading to learn about open enrollment.

What is Open Enrollment?

Open Enrollment is the annual period during which people can enroll in a healthcare plan. For 2020, that period runs between November 1 and December 15, 2019. Want to enroll in a healthcare plan outside this period? People are only able to enroll in a health insurance plan outside of these dates if they qualify for a Special Enrollment Period based on certain life events such as getting married, having a baby, or losing their existing healthcare coverage.

Who is Eligible for the Health Insurance Marketplace?

People must meet three requirements to enroll in health coverage during the 11/1 to 12/15 period:

Must live in the United States
Must be a U.S. citizen or national
Must not be incarcerated

What is the New York State of Health (NYSOH)?

The NY State of Health is an online marketplace designed to help New York residents shop for and enroll in health insurance coverage. Anyone from families to individuals to small businesses are encouraged to use the marketplace to compare insurance plans, determine costs, and select the coverage that best suits their needs. Through the online portal, people can check their eligibility for specialized health care programs like Medicaid, Child Health Plus, and the Essential Plan. In addition, applicants will be told what level of financial assistance they qualify for to help afford the health insurance plans provided by the NYSOH.

Whether you are in Westchester, NY, or one of our surrounding communities, ASZ International, Inc. can help you find a health insurance plan that meets all your needs. Give us a call or stop by our office today for more information.

Do I need auto insurance in New York?

Posted on November 29, 2019December 1, 2019 by admin

At ASZ International Inc. in Westchester, NY, our agents often get this question, "do I need auto insurance?"

The answer is yes, New York State mandates minimum coverages. You are required to carry no-fault personal injury insurance (PIP) of at least $50,000 per person. Liability of $25,000 per person for injury and $50,000 if the injury resulted in death and $50,000 for two or more injured persons and $100,000 for two or more deaths. Finally uninsured motorist coverage to the same limit as the personal injury. These are just basic liability coverages. For many people, this will not be enough auto insurance to feel protected.

If you have an auto loan, your lender will require you to protect their investment. The same is true for a leased vehicle. This will mean that you will need to carry collision and comprehensive coverage. Collision protects the vehicle from damage that is the result of an accident with another vehicle when you are the party who is at fault. It will pay to repair or replace your vehicle if it is damaged beyond repair after the deductible has been met.

Comprehensive coverage protects your vehicle from other damage. It can be caused by weather-related events such as high winds that bring down tree limbs, (sometimes on your vehicle) or hail. It also covers things like vandalism, and in the event that your vehicle is stolen, it will replace the vehicle up to the limit of the policy.

When you are ready to get your auto insurance or would just like someone to look at your coverage, ASZ International Inc.in Westchester, NY is ready to help you find the right policy for your needs and your wallet. You can reach us on our website or give our office a call to get a no-obligation quote.

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How to Add Teens to Your Auto Insurance Policy?

What is Covered by Recreational Insurance?