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ASZ International, Inc.

200 Summit Lake Drive
Suite 220
Valhalla, NY 10595

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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!

3 Benefits of Renters Insurance

When you are looking for an apartment or condo to rent in Westchester, NY, renters insurance may not be at the back of your mind. However, you should, because renters insurance from ASZ International Inc. offers numerous benefits. Here are some benefits you accrue when you invest in renters insurance.

Property protection

Renters insurance protects your assets, including clothing, furniture, electronics, and other assets in your dwelling. And the beauty of renters insurance is that it protects your assets even when stolen outside your apartment. For instance, if someone breaks into your car and steals your laptop, renters insurance should compensate you.

If you are a tenant and don’t have renters insurance, you better purchase coverage today. Since your landlord’s policy doesn’t cover your belongings, renters insurance ensures that you don’t have to start from scratch when your assets are lost or damaged. 

Personal liability coverage

Nobody wants to cause bodily injury or property damage to their neighbors. Unfortunately, these things happen — and either you or a member of your family could be liable. Fortunately, if you have liability coverage, you don’t have to worry much about third-party costs that may arise for damages you cause to other people.

Loss of use coverage

When disasters strike, you have little time to prepare. If a covered peril makes your rented dwelling uninhabitable, your renter’s insurance covers additional living expenses like hotel food and accommodation. This way, you don’t have to ask for favors from your friends as you wait for your apartment to be fixed.

The bottom line

As you can see, renters’ insurance benefits far outweigh the costs. Instead of tossing the coin and hoping that nothing wrong will happen to your valuables, it’s pivotal to purchase renters insurance. This way, you will have peace of mind knowing that you and your assets are cared for. 

If you are in Westchester, NY, looking for renters insurance, you can’t go wrong with ASZ International Inc. Contact us today to start a stress-free renting journey. 

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. 


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