Taragowski Insurance Agency - Clinton, CT a Full

As a condo owner, you're in a unique situation. You have both individual and common insurance needs. Individually, you need to protect your personal property, and you also need protection from liabilities and additional assessment fees. With your fellow condo owners, you share certain responsibilities, such as building upkeep, as well as common liability.

Meet Your Unique Needs
Your condo insurance can help protect you against loss from theft, both at home and away, losses for accidents to visitors in your home, and more. If a guest or family member is injured on your stairs, would you be able to pay the medical expenses? If lightning causes damage to the exterior portions of your condominium building, will your association carry enough insurance to repair everything? If a storm causes your condo to be uninhabitable, are you prepared to pay for the additional living expenses?

I can help you find the right balance between the protection you need both as an individual property owner and as a fellow condo owner.

Coverage Options
Learn the basics of which coverage options protect you and your home, and find out how to enhance your level of protection with Taragowski Insurance Agency Condominum Coverages, including Loss Assesment Coverage and Optional Coverages, as well as the discount and savings opportunities available to you. Or you can contact me to discuss them over the phone.

Don't Risk It
Many condo owners don't realize that they have a lot to lose, whether it's personal belongings or loss due to legal liability. For instance, fire damage can wreak havoc on any condo owner's life - from smoke damage to walls and windows, to the total loss of furniture and flooring, to injuries endured by guests. As a condo owner, when these emergencies occur, you may need a temporary place to stay, or even financial assistance to return to your normal standard of living. It's surprising how much is at risk without proper insurance for your personal liability and personal belongings.

Read below for more information on some of the basic coverage options that make up a condominium policy. You can also read about enhancing your policy with Optional Coverages and Scheduled Personal Property. For example, do you own specific high-value items like expensive computer or stereo equipment? If so, you may want to insure them with an Optional Coverage. Contact me to discuss which coverages, limits and deductibles may be right for you.

Protect Your Condo

Coverage	Description
Building Property Protection	This protection covers items which are situated within your home—for example, fixtures, construction materials and supplies.
Personal Property Protection	Your condo is more than just the walls of your unit; it also includes all of your personal belongings, big and small. Personal Property Protection provides protection against covered loss to movable property like a stereo, bicycle, furniture or clothing.

Protect Yourself and Others

Coverage	Description
Family Liability Protection	If a friend, family member, or neighbor was accidentally injured on your property, did you know you could be legally obligated to pay? Family Liability Protection provides protection for insured persons who become legally obligated to pay for covered accidental bodily injury or property damage to others. This protection does not cover auto liability claims.
Guest Medical Protection	Unfortunately, sometimes accidents happen. Guest Medical Protection provides protection for your guests, who are accidentally injured on your property as a result of a covered loss. This protection pays for the reasonable and necessary medical expenses they incur, regardless of who was at fault.
Additional Living Expenses	If a covered loss occurs to your condo and you're forced to quickly find alternative housing, Additional Living Expenses can help. If a direct physical loss makes your home uninhabitable, Additional Living Expenses reimburses you for a reasonable increase in living expenses necessary to maintain your normal standard of living, up to the amount of time specified in your policy. This may include payments for the additional costs of a place to stay, food, and/or other increased living expenses.

Optional Coverages

Coverage	Description
Scheduled Personal Property	If you'd like to protect certain items in your condo beyond the limits provided by what's included in your condo policy or an Optional Coverage, for an additional premium, Scheduled Personal Property Coverage can provide increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine arts, cameras, personal computers and sports equipment. Ask me if Scheduled Personal Property Coverage is right for you.
Additional Optional Coverages	If you'd like to purchase additional coverage for specific items of value in your condo, like jewelry or a computer, you may want to consider personalizing your policy with Optional Coverages.
Loss Assessments Coverage	You could be responsible for paying additional assessments out of your own pocket if your association's insurance isn't enough. Loss Assessments Coverage provides protection for your share of special assessments charged by a property owners association against all building owners.

Did you know that you could save money on your insurance by installing fire alarms in your condo? Find out more about these and other protective device discounts and savings below and see if you qualify.

* 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 a policy for full coverage details.

Discounts and Savings
Did you know if your condo building has youth on its side, you could save on your insurance? Learn more about how you could qualify for this and other money-saving discounts.

Safe and Sound
You want to take an extra step to keep your condominium safe - and this sound decision may qualify you for an Taragowski Insurance Agency discount. For instance, installing deadbolt locks on your exterior doors not only helps protect your family, but could also save you money with a Protective Device Discount. If you're the first owner of a newly constructed condominium, or if you're already insured with us, you can find financial rewards with Taragowski Insurance Agency discounts.

Please contact me to see which of these discounts apply and how much you could save.

Multi-Line (Home + Auto) - Save up to 15% depending on the type of home and the state in which you live.
Protective Devices - Save up to 15% depending on the combination of installed protective devices.
55 or older and retired - Save 10-25% depending on the type of home.

*The availability, qualifications and amounts of these coverages and discounts may vary from state to state. In addition, other 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 coverages and discounts that are not listed here. For more information regarding your eligibility for certain coverages and savings opportunities, please contact me.