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Umbrella Insurance FAQ

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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

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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?

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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?

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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

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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?

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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. 

Is It Time to Review Your Home Insurance Policy?

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Homeowner’s insurance is an important part of owning a home in Westchester, NY, as it offers a variety of protection when damage occurs to the structure. Home insurance also offers personal liability protection in the event someone in the home damages someone else’s property or injures another individual. Because this type of insurance is so important, it must be reviewed periodically to ensure your coverage is still adequate. Here are a few instances when your policy should be reevaluated, which is something we can help you with here at ASZ International Inc.

After a Remodel or Home Add-on

When you remodel your home or increase the property’s square footage, the home’s resale value will increase. Because of this, there is a good chance that you will be left under-insured by your existing homeowner’s insurance policy.

Once the construction work has been completed, you should request that the contractor provide you with an estimate of the cost that it would take to rebuild the home after the renovation. With this estimate, you should consider increasing your dwelling coverage.

Following a Pool Installation

Swimming pools have long been known to be an insurance risk. The reason for this is due to the fact that there is a chance for diving board injuries, slips and falls, and other pool-related injuries to occur. In addition, pools are considered attractive nuisances, meaning that local children could try to use the pool without your knowledge. In the event this happens, you could still be held responsible for an injury.

Therefore, if you have a pool installed on your property, you will need to have your personal liability coverage reevaluated. In addition, you should take preventive measures to ensure your pool is safe and secure, such as having a fence with a locking gate installed around the pool.

After Efficiency Upgrades

Believe it or not, there are some upgrades that can be performed on your home that actually help reduce your homeowner’s insurance premiums. Therefore, you will want to inform your insurance company of these (and any) upgrades immediately.

Some of the most common upgrades that can help lower your premiums include a new roof, fire protection system, security monitoring system, and possibly a new HVAC system. Every insurance company is different, so make sure you check with them before simply making an upgrade in the hopes of a reduced insurance premium.

It is always good practice to reach out to us at ASZ International Inc. when any kind of renovation or upgrade is made to your Westchester, NY home. Our agents can help reevaluate your policy to ensure you have the proper coverage. For more information, contact us today!

Is Car Insurance a Good Investment?

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Yes, auto insurance is mandatory in New York, but is that the only reason you should buy auto insurance? The simple answer is no. Car insurance is a lot cooler than that. If you are asking whether car insurance is a worthwhile investment, listen as ASZ International Inc. of Westchester, NY, shows why you shouldn’t regret buying auto insurance. 

It protects your car

The simple concept of car insurance is “pay now and save later.” This means that while premiums might appear expensive now, they are a fraction of the cost it would cost to repair or replace your vehicle when calamities strike.

Car insurance protects your vehicle whether on the road or parked in your garage or driveway. Since perils like accidents, fire, theft, vandalism, and so on can damage your car, auto insurance ensures that any damage to your car is taken care of. This way, you don’t have to dip in your pockets when mishaps occur.

It shields you against liabilities

While car ownership is fun, it comes with its fair share of potential woes. For instance, if you are deemed liable for an accident, you could be accused of bodily injury and property damages. Without car insurance, your assets could be on the line. However, liability coverage on your car insurance pays for third-party claims. 

It gives you peace of mind

Driving should be fun. You shouldn’t be thinking about what would happen if you got into an accident. Investing in auto insurance enables you to drive your car confidently, knowing you are covered against mishaps. 

Buy auto insurance today

When you hear someone say that auto insurance is a waste of money, walk in the opposite direction. Auto insurance is a worthy investment that saves you countless losses if the unthinkable happens. If you are in Westchester, NY and its environs, don’t hesitate to contact ASZ International Inc. for affordable coverage.

What Does Recreational Insurance Cover?

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Do you own a boat, RV, or another recreational vehicle? What would you do if it were to be damaged or destroyed in a natural disaster or by an accident of some kind? Is vandalism a risk for you? If you answered "yes" to any of these questions, it’s time to think about adding some recreational insurance. 

RV Coverage Areas

RV coverage can include the following areas:

  • Boats and trailers
  • Motor homes
  • Water vehicles such as jet skis and waterboards

If you have any of the above types of vehicles, you will want to protect them in the event of damage or loss. Otherwise, it will all be an out-of-pocket expense to replace them.

Categories of Insurance RV Insurance Covers

You can get the following types of coverage for RVs:

  • Collision
  • Comprehensive coverage
  • Liability coverage
  • Protection for personal belongings on board, equipment, and other peripheral equipment

Additional Insurance

Some insurance companies offer additional types of coverage options including:

  • Emergency towing and equipment
  • Total loss replacement
  • Roadside coverage and towing costs
  • Underinsured/uninsured motorist coverage

Tips to Find the Best recreational insurance

  • Buy local when possible. Dealing with an insurance company in Westchester, NY such as ASZ International Inc. that you can speak to in your coverage area makes things a lot simpler when you need to file a claim or make changes to your policy. 
  • List the coverage areas you need and discuss it with a licensed agent.
  • Ask about discounts when you carry multiple insurance from the same company and other types of savings.
  • Weigh the amount of risk with the cost of premiums. If you are in a high-crime area where theft or vandalism is more likely or a flood plain, for example, you are more likely to suffer loss. 

Visit with your insurance agents that cover the Westchester, NY area for more information on recreational insurance. Don’t risk the loss of your beloved off-road vehicles and other items. ASZ International Inc. can discuss your options with you and show you a plan that fits your needs and your budget. 

Contact us today for more information.

3 Benefits of Renters Insurance

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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. 


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