What Does Condo Insurance Cover?

Posted on January 31, 2023January 31, 2023 by admin

Condo insurance is essential to have in place to protect against any losses or repair costs for your condominium unit. The agents at ASZ International Inc. in Westchester, NY want you to know what condo insurance covers and why it is important for your New York condo.

Why is Condo Insurance Important?

Most of the time, the condominium association that governs the complex in which your condo is located has its own coverage in place. Their insurance may only cover the building in which your condominium is located and common areas throughout the complex and liability insurance for the association. This means if someone breaks into your condominium or is injured while visiting your condo, you are liable for those costs, which is why you need your own condo insurance policy.

What does a condo insurance policy cover?

While the bylaws of your condo association and state laws will determine exactly what the association must cover with its master insurance policy, it is up to you to obtain a condo insurance policy that works well for you and your situation.

Most of the time, condo insurance will cover the interior walls and possibly the fixtures inside your condo. It can also cover damage to your condominium caused by smoke, fire, lightning, a windstorm, theft, vandalism, or malicious mischief. It can also cover what is referred to as an accidental discharge of water inside your condo.

Contact Us

It is imperative that you have your own condo insurance policy in place to cover the many things that the condo association’s insurance will not cover. Contact one of the experienced and trusted agents at ASZ International Inc. in Westchester, NY today to get your policy started!

What is the benefit of having a health insurance plan in New York?

Posted on December 30, 2022December 30, 2022 by admin

In the Westchester, NY area, people must carefully evaluate their insurance needs. For the typical person, various forms of coverage need to be obtained. A type of coverage that everyone should have is health coverage. Multiple benefits come when you have a health insurance policy in this part of New York.

Access to Affordable Care and Medication

A primary reason to have a health insurance plan is to have affordable access to care and medication. The costs can be significant if you try and see a doctor, get medication, or go through a procedure without insurance. With a health insurance plan, you can affordably receive this care and attention when necessary, as your costs will be subsidized by insurance.

Comply with Requirements

Getting a health insurance plan to comply with any requirements will also be a good idea. Today, all people in New York and the rest of the country are required to have a health insurance plan at all times for themselves and any dependents. If you do not consistently carry this insurance, you will violate this requirement and could be penalized.

Health insurance should always be a top priority when building a personal insurance plan in Westchester, NY. When you are looking to get this type of coverage, it could be helpful to call the team with ASZ International Inc. There are a lot of choices to make when looking for this coverage, and ASZ International Inc. can help you identify your options. This can ensure you get the coverage needed to stay in compliance and access affordable care.

Tips for driving in the snow

Posted on November 30, 2022November 30, 2022 by admin

If you’re one of the millions of people hitting the roads this winter, it’s important to be prepared for driving in the snow. Here are a few tips to help you stay safe while driving this winter.

Plan your route before you go. This is especially important if you’re driving in an area with common snowfall and icy conditions, as it can help you avoid treacherous roads and hazardous driving situations. Consider checking weather forecasts and traffic alerts in advance, so you know what to expect on your drive.
Slow down and use caution when driving in the snow. This is especially important during heavy snowfall, as it can be difficult for drivers to see and react quickly on slick roads. Keep an eye out for black ice, and take it slow when turning corners or braking suddenly.
Keep a safe distance from other cars. It can be easy to lose track of how far away other vehicles are in snowy conditions, so it’s important to give yourself plenty of space. Not only will this help you avoid accidents, but it can also allow you the extra time to react if something goes wrong on the road.
Know how to handle skids and slides. If your car starts to skid or falls on the road, remain calm and focus on steering in the direction that you want to go. Avoid slamming on the brakes, as this may worsen the situation, and never try to overcorrect your steering.

If you have questions about staying safe in the snow or want more auto safety tips, give ASZ International Inc. a call today. We proudly serve the Westchester, NY area.

Is it time to upgrade the commercial policy protecting your Westchester, NY area business?

Posted on October 31, 2022October 31, 2022 by admin

The team at ASZ International Inc. is here for the Westchester, NY area business community. Contact our office today if you have questions about your commercial insurance policy. We are happy to sit down with you, review your current policy, and help you determine if it’s time for an upgrade.

Is it time to upgrade your commercial insurance policy?

Owning a business takes a lot of time, energy, and dedication. Due to most business owners’ hectic and demanding schedules, it’s easy for something like upgrading an insurance policy to fall by the wayside. Without proper attention, a business can outgrow its commercial insurance policy, leaving the company uninsured and at risk.

For most businesses, it’s advisable to carefully all insurance policies at least once a year. During this review, you can determine if your policy is still fulfilling all of your needs, both as a policy type and at the level of protection it offers. It is not uncommon for business owners to overlook the fact that their company has outgrown its policy.

Sitting down to closely review your commercial insurance policies is a wise action to take. Don’t wait until it’s too late to realize that you no longer have the protection your company needs. Our team is here to help you with this review and help you determine if your current policy meets your current and future needs.

Contact our office today

ASZ International Inc. is proud to serve the greater Westchester, NY business community’s insurance needs. If you have questions about commercial insurance, we are here to help. Contact our office today to learn more about the insurance services we provide to our regional business community.

Tips for reducing the hazards in your home

Posted on September 29, 2022September 29, 2022 by admin

Home may be where the heart is, but it is also where many injuries happen. Many of them are avoidable if the hazards in your home are reduced. We believe in inspiring one American dream at a time at ASZ International Inc. in Westchester, NY. No matter the size of your dream. We are an independent agency, and service to our customers is what we specialize in.

Remove clutter

Falling is one of the most dangerous hazards in your home. Clutter makes falling a more significant risk than it needs to be. Try to keep clutter off of stairs and in hallways leading to stairs. Falls are the second leading cause of death in the home, resulting in 28,100 people losing their lives in 2020.

Improve lighting

To reduce the danger of hazards in your home, you need to be able to see them. It is dangerous to be stumbling around in a dark house.

Reduce fire risk

Fire is a hazard everyone wants to avoid. You should have your chimney cleaned and make sure that your smoke detector is working and has backup batteries. A working carbon monoxide detector is also vital to your safety and your family if you have a furnace.

Keep poison out of reach.

Poison is the number one killer in the home. Almost 70,000 people died from poisoning in 2020. There are things you can do in your home to avoid this hazard. Never leave cleaning supplies in an unlocked cabinet. Make sure they are locked away. Medicine should not be left where children and teens can get their hands on them. Any poisons you use to keep pets, weeds, or anything else must be kept in a very safe place.

Contact ASZ International Inc. in Westchester, NY to get the personalized customer service you deserve.

Additional forms of auto insurance coverage in New York

Posted on August 31, 2022August 31, 2022 by admin

Basic liability coverage to protect others against the damage caused by any driver is always a requirement in Westchester, NY, and other areas. However, auto insurance companies can provide additional services and coverage to protect against various losses drivers may experience. In many cases, it is recommended to research these other types of coverage, as they can be instrumental, and it is financially beneficial to pay into a policy rather than have to pay a large sum for a vehicle repair or other forms of damage all at once. ASZ International Inc. can help with any of these coverage types.

Comprehensive coverage

There is the possibility of damage to a vehicle in situations that do not involve an accident with another vehicle. This tends to be because of theft, vandalism, damage from wild animals, severe weather, or fire. Comprehensive coverage is helpful for most drivers because a car is always exposed to the elements, and there is a risk of damage even when the vehicle is not being driven.

Underinsured or uninsured motorist coverage

A driver who does not have any auto insurance coverage may cause an accident. It can be challenging to get any compensation for losses in these situations unless the victim has already planned for this possibility with uninsured motorist coverage. In other situations, an accident may cause more damage than the driver’s insurance policy will pay for. An underinsured motorist policy can help pay additional medical costs or lost wages beyond the settlement amount.

Learning more about auto insurance

Agents with ASZ International Inc. who serve the Westchester, NY area are available to provide more information. Drivers can contact them today to get an insurance quote and learn more about what kind of auto coverage is best in their situation.

Debunking Common Myths About Recreational Insurance

Posted on July 27, 2022July 27, 2022 by admin

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?

Posted on June 29, 2022June 28, 2022 by admin

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?

Posted on May 25, 2022May 25, 2022 by admin

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

Posted on April 29, 2022May 3, 2022 by admin

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!

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