The Benefits Of Health Insurance Explained

Posted on December 15, 2020December 15, 2020 by admin

ASZ International, Inc. serves the Westchester, NY community, and the surrounding areas, by offering multiple types of insurance policies. We strive to make searching for insurance a more efficient experience for our clients. We enjoy giving back, and we have established partnerships with several local nonprofit organizations.

The Benefits Of Health Insurance

Health insurance is an asset because it covers you during times when you aren’t feeling well. You will be covered if you have to go to the doctor if you are admitted to a local New York hospital. Health insurance also covers your routine checkup every year to make sure that everything is ok. Here is a look at some other benefits of health insurance.

If you visit your doctor because you aren’t feeling well and prescribe some medication, you can have some peace of mind because it will be covered through your health insurance policy.

Perhaps you suffer a serious injury that requires emergency surgery. The surgery is covered through your policy as well as your rehab. You can amend your policy to cover physical therapy, as well as counseling, if necessary. You can also add coverage to protect you if the injury is severe and you are disabled.

If you are trying different treatment methods, such as acupuncture or psychotherapy, you can amend your policy to cover you through the process. Modern health insurance policies are covering some of the recently advanced treatment options currently on the market.

If you’re pregnant, health insurance will cover you through the process. You’ll be covered regarding any care that you need before and after the birth of your child.

ASZ International, Inc. Will Help You Find Coverage

Visit our website today to learn more information on health insurance.

Is auto insurance in New York a necessity?

Posted on November 29, 2020November 29, 2020 by admin

The Westchester, NY area can be a great place for anyone to reside. When you are a local, there are many professional opportunities and a great set of local amenities. When you want to travel to other areas, enjoying it as much as possible will require that you own a car. If you are a car owner here, you need to make sure that you get the right insurance. There are several reasons why having auto insurance here is a necessity.

Insurance is a State Requirement

Auto insurance is a necessity for New York drivers because it is a state law. When you want to drive a car in this state, you need to comply with state law regarding liability coverage. This form of coverage is required for all drivers, and it ensures that you will have the ability to pay for damages that you may cause in an accident.

Insurance Required by Lenders

You will also need to get auto insurance in this state if you have taken out a car loan. Those who finance a vehicle will have insurance requirements, which are set to protect the lender’s collateral. If you do not have a full collision and comprehensive policy at all times, you will be in loan violation.

Having auto insurance in Westchester, NY is a necessity for anyone with a vehicle. Due to this, it is important that you receive some guidance when looking for a new policy. You should contact ASZ International, Inc. if you are looking for a new policy. When you call the team at ASZ International, Inc., you can learn more about how insurance will benefit you. Our priority is making sure that you feel secure and confident with your insurance coverage.

Three reasons why your company needs commercial insurance coverage

Posted on October 31, 2020October 31, 2020 by admin

As a business owner, you need to protect your company with insurance to avoid financial problems that could shut down your commercial operation. We offer commercial insurance coverage for your company in Westchester, NY at ASZ International, Inc.

The following are three reasons why your company needs commercial insurance coverage.

You are required to have some types of coverage by law.

There are many different scenarios where a company could be required to purchase commercial insurance. Commercial insurance is especially important if you have a staff of employees working for you. If you have employees, you may be required by law to purchase workers’ compensation coverage.

Another type of coverage that may be required by law is commercial auto coverage. If you use vehicles for business operations, you should know that personal auto coverage will not cut it. In this case, you need to invest in an auto policy specifically designed to cover commercial vehicle use.

A lawsuit against your company could put you out of business.

Any company could face a costly liability lawsuit. It’s important to realize how expensive a legal defense is when a company faces a lawsuit. Without commercial coverage to pay your legal costs, your company’s future may quickly be put in jeopardy by a lawsuit.

Being insured can make you more attractive to customers.

Depending on what industry your company operates in, your customers might want or expect you to be insured. This is especially true if you’re some contractor.

Being insured can give your customers greater peace of mind and make it easier to find clients to hire you for important projects.

Find a commercial insurance company for your company with our help at ASZ International, Inc. We’ll be happy to help you find the right insurance solution in Westchester, NY today!

Is home insurance a good investment for me?

Posted on September 22, 2020September 22, 2020 by admin

Owning a home in the Westchester, NY area can be a great long-term option. If you are in the market to purchase a home here, you should also spend time assessing your insurance needs. Getting a quality home insurance policy is a great option as it can protect you in many ways. There are several reasons why this insurance is a good investment.

Gives Liability Coverage

One reason why home insurance can be a good investment is that it can protect you against liability risk. Anyone that owns a home is going to take on liability risk that could occur if a guest is injured while they are in your home. Fortunately, you can easily receive protection against this and other forms of liability risk by getting home insurance as it will give you some personal liability protection

Covers Your Assets

A home insurance policy is also a good idea because it can cover your assets. The home that you buy is likely the most valuable asset that you will ever own. When you do own a property, the insurance that you take out will protect it against fire, weather damage, and many other situations that could cause damage. These policies will also give you coverage for any of your personal belongings if they are damaged, destroyed, or stolen.

Choosing a home insurance policy in the Westchester, NY area is a big decision and one that receiving guidance for would be beneficial. If you are looking for a new policy, you should call the team at ASZ International, Inc. When you do call ASZ International, Inc. you can learn a lot more about how getting proper insurance for your home can protect you and your property. The team can also help you build and choose a new policy.

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.

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