Taragowski Insurance Agency - Clinton, CT a Full

No Place Like Home
Whether you're a first-time homebuyer or designing your dream home, buying a house is one of the most important decisions you'll ever make. Once you sign the papers and move in, you may be settling down, but your insurance needs are always in transit.

Protection That Keeps Pace with You
From day one, you'll tailor your policy to help protect your house and the personal items in your home. You'll need the basic coverages that prepare you for an unexpected loss or damage, as well as the coverages that give you a valuable safety net for your investment.

As the years go by, you'll continue to invest in your home. You may hire a contractor for a major renovation, or you may push up your sleeves for a weekend home improvement project. These enhancements may warrant a review of your earlier coverage selections. And many homeowners continue to acquire new valuables like jewelry and antiques that require added protection.

A Helping Hand
That's what I'm here for: to routinely help you update your insurance policy to reflect your changing needs. Not only can I help you understand which coverages work for you, but I also understand the things that matter most to homeowners in our area. We can work together to help make sure you and your home are protected in case bad things happen.

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 Optional Coverages and Scheduled Personal Property.

Your Home, Your Castle

With Homeowners Insurance, you'll be protected against damages or losses that result from fire, lightning, smoke, theft and vandalism, among many other causes. They're every homeowner's concerns. But you also have individual needs—unique to you and your home—that should be reflected in your policy.

To meet these needs, Taragowski Insurance Agency offers different levels of coverage. And, you can tailor your policy by selecting among different available limits, deductibles and optional coverages that fit your life. It's just one reason that Allstate has been chosen to insure one in every eight homes.

Read below for more information on some of the basic coverage options that make up a homeowners 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.

Discounts and Savings
Lower the bottom line of your insurance premium with valuable discounts and savings, or contact me to see what discounts you could qualify for.

We'll give you a great reason to become a customer for life: Savings!

Taragowski Insurance Agency recognizes multiple policy, safety conscious and claim free customers with premium insurance discounts. Depending on your home, situation and state, you may be eligible for one or more of the property insurance discounts we offer. The following is a summary of some of the discounts offered in most states. Please read the note that follows this chart regarding the availability, qualifications and amounts of these discounts.

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

Discount	Eligibility*	Discounts Savings*
Home and Auto (Multi-Line Discount in NY)	Taragowski Insurance Agency must insure both your auto and your principal residence.	Save up to 15% depending on the type of home and state you live in.
Protective Device	Your home has smoke alarms, fire extinguishers, deadbolts on all exterior doors, and central burglar and fire alarms.	Save up to 15% depending on the combination of installed protective devices.
Fire Resistive	Your home is fire resistive or is made of fireproof construction such as brick and masonry.	Save up to 15% depending on the materials.
New/Renovated Home	Your house is less than 10 years old or was completely renovated by a licensed contractor within the last 10 years.	Save up to 25% depending on the age of the house.
Indemnity Renewal Claim Free Discount	You'll receive a discount based on the most recent consecutive number of years you've been claim free in the Indemnity Company from 1 to 5 years.	Save up to 7% per year to a maximum 35% for five consecutive claim free years.
55 or Older and Retired	You're 55 or older, retired and it's your principle residence.	10-25% depending on the type of home.

* Please see the disclaimers below.

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 me.