Taragowski Insurance Agency - Clinton, CT a Full

A life jacket shouldn't be your only source of protection when the waves get rough. As a boat owner, you join over 70 million boaters tackling the tide each year. That means thousands of boating accidents annually. As your Taragowski Insurance Agent, I'm here to help you find coverage that protects you, your family and your boat—both on and off the water.

Protecting Your Toys While You Play
At Taragowski Insurance Agency, our policy offers coverage while your boat is within the United States or Canada or within 100 nautical miles of the U.S. and Canada. Even out of the water, our coverage helps protect your boat, motor and trailer up to policy limits. So, no matter when or where you ride the waves, you can relax knowing that in the case of an accident or emergency, you have excellent boating protection. Since you've taken time to safeguard your car, why not do the same for your boat?

Coverage Options
In a sea of possibilities, the right amount of coverage can be a lifesaver. Don't find yourself permanently docked. With our various coverage options I can help you find protection for you, your family, and your boat.

When you're out on the water, you can feel a great sense of security knowing that you, your family and your boat are protected. Taragowski Insurance Agency offers a range of regular and extended coverage options* for physical damage, medical emergencies and liabilities that can occur with your boat, both in and out of the water.

Physical Damage Coverage*
You need protection that goes with your boat when you take it on the road and in the water. That's why Taragowski Insurance Agency Boatowners Insurance is designed to cover you for a wide range of hazards that can happen while boating, launching or hauling. In fact, Taragowski Insurance Agency covers your boat, motor and equipment up to your policy limit for just about any hazard that is not specifically excluded from your policy.

Coverage for Your Boat, Motor and Boat Equipment: This coverage provides protection for your boat, motor and boat equipment against theft, vandalism, windstorms, hail, lightning, fire and explosions. In addition, you and other authorized drivers of your boat will be protected if one of you accidentally hits a submerged object while driving.

Boat Equipment Coverage: With a boat insurance policy, your boating equipment is protected for a value of up to 10% of your boat coverage limit.

Watercraft Liability Coverage*
Liability Coverage protects you in case you or a member of your household accidentally injures another person or damages another person's property. For example, Taragowski Insurance Agency can cover you if you accidentally hit a swimmer, your boat collides with and damages another boat, or your boat damages a dock.

Injuries to Others Coverage: Provides protection if you or a member of your household accidentally injures another person or damages another person's property while boating.

Property Damage Coverage: Provides you with coverage if you hit and damage a dock, or if your boat collides with and damages another boat.

Medical Payments Coverage*
If there's an injury due to a boating accident, this coverage provides medical protection for you, passengers in your boat, water skiers behind your boat, members of your household and guest passengers, if you are struck by any boat while in the water.

Extended Coverage*
Sometimes you'll want more than basic protection, so Taragowski Insurance Agency provides five areas of extended coverage for your boat insurance policy. To find out if an extended coverage plan works best for you, contact me.

Extended Emergency Coverage: You'll receive additional protection against costly emergency service for your boat and trailer, such as towing your boat to shore or changing a trailer flat tire. You can increase your Emergency Service limits above the $100 policy limit, up to $500.

Repair Cost Endorsement: You'll have the option of improving your Physical Damage Coverage to pay for partial losses to your boat and equipment at replacement cost. Repairs for partial losses (not including normal wear and tear) can be made without deduction for depreciation, up to the limits you choose.

Coverage for Personal Possessions: You'll receive coverage for your valuable belongings such as fishing and skiing equipment, cameras and portable radios while being used on your boat. These specialized coverage options help give you the protection you need most for your boat, trailer and equipment.

Coverage for Your Boat Trailer: This coverage provides protection for your boat trailer against physical damage.

Coverage for Additional Boat Equipment: Additional protection for boat equipment is available.

*All coverages are subject to availability and qualifications. Other terms, conditions and exclusions may apply. This is a brief description of coverages; this is not a contract. Please read your policy for full coverage details.
Classic Boat Insurance and Personal Watercraft Insurance are provided by one or more insurance carriers not owned by or affiliated with Allstate Insurance Company. Classic Boat Insurance and Personal Watercraft Insurance are subject to availability, qualifications and policy terms. Please contact me for Classic Boat Insurance and Personal Watercraft Insurance policy terms, availability and qualifications.

Discounts and Savings

Safety is your middle name. You deserve a reward–with a Boating Education Discount you could save on your boatowners insurance. Find out about this and other Allstate boat discounts..

Be Safe and Save
Taragowski Insurance Agency offers several Boat Insurance discounts to help save you money. Do you own a new boat, or is your boat less than 11 years old? Have you taken a boating education course sponsored by an approved organization such as the U.S. Coast Guard Auxiliary? Is your car insured with a preferred Allstate auto policy? You could be eligible for money-saving discounts.

Discounts are subject to availability and qualifications. Find out more below and contact me to see how much you could save.

I Have an Taragowski Insurance Agency Auto Policy
Here's some easy money. If your auto insurance is with Allstate, you could save money on your Liability, Medical Payments, and Physical Damage coverages, thanks to our Multi-Policy Discount.

To get this discount:

The boat and auto policies have to be from the same state.
Both policies need to list either you or your spouse.
The auto policy needs to cover a private passenger vehicle.

I Have a New Boat
That shiny new boat could save you some green. And the newer the boat, the higher your discount can be. With Taragowski Insurance Agency's New Boat Discount, you could save on your Physical Damage coverage.

I've Taken a Boating Education Course
Taking a boating safety course is a smart idea no matter what-getting a discount for it is just icing on the cake. Taragowski Insurance Agency's Boat Education Discount gives you credit for doing just that.

For the course to count, it has to be sponsored by an approved organization like the U.S. Coast Guard Auxiliary or the United States Power Squadrons. A state course also counts if it's approved by the National Association of State Boating Law Administrators (NASBLA) and recognized by the U.S. Coast Guard.

My Boat Has a Diesel Engine
With the Diesel Engine Discount, you could save on the cost of your Physical Damage coverage just for having boat or jet ski powered by a diesel engine.

My Boat Has an Automatic Fire Extinguisher System
No matter how much water you're floating on, a fire aboard your boat could destroy it. If you've got an automatic fire suppression system installed on your personal watercraft, the Automatic Fire Extinguisher Discount can save on annual premiums.

The availability, qualifications and amounts of these discounts may vary from state to state. In addition, terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer discounts that are not listed here. For more information regarding your eligibility for these savings opportunities, please contact your agent.