Taragowski Insurance Agency - Clinton, CT a Full

Your property isn't any less valuable when you rent. That's our stand. And if you've got as much stuff as the average renter, then it's worth over $30,000. Take into account your clothes, books, CDs, stereo system, TV, jewelry and other valuables you might have.

If Anything Happens, Will Your Landlord Take Care of You?
You may also be surprised to learn that your landlord is not necessarily responsible for any damages to your personal property if there's a fire, flood, vandalism or burglary. And, even if someone's injured in your apartment, you may be liable for their damages, not your landlord.

It Only Costs a Little to Protect a Lot
The good news is that renters insurance costs less than you think–and it covers a lot. In fact, about 50 cents* a day can help buy renters insurance protection for tomorrow.

With an Taragowski Insurance Agency renters policy, I can help you protect your things, big and small, from the unexpected and help safeguard your savings from personal liability.

A renters policy will protect your personal property the same way it would if you owned a home. Ask me about what level of coverage is right for you.

Coverage Options
A renters policy will protect your personal property the same way it would if you owned a home. Ask me about what level of coverage is right for you. Learn the basics of which coverage options protect you and your valuables, as well as the discount and savings opportunities available to you, or contact me to discuss them over the phone.

Protect Your Stuff
When considering renters insurance, it's important to know what's in your place and what you need to protect. Once you make a list of the important things you own and determine their value, you're ready to select the coverage you need.

When selecting coverage, it's also important to choose a proper deductible amount. Your deductible is the dollar amount you'll be required to pay in case of a loss. The higher your deductible, the lower your premium. Ask me about the deductible levels that make sense for you.

Read below for more information on some of the basic coverage options that make up a renters 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 Personal Property

Coverage	Description
Personal Property Protection	Your home is more than just the walls of your house; it includes all of your personal things, 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 something happens to your rental unit and you're forced to quickly find alternative housing that's more expensive, 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 or other increased living expenses.

Optional Coverages

Coverage	Description
Scheduled Personal Property	If you'd like to protect certain categories of items in your home beyond the limits provided by what's included in your renters policy or an Optional Coverage, 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 art, cameras, personal computers and sports equipment. Ask me if Scheduled Personal Property Coverage is right for you or read more about Scheduled Personal Property Coverage options.
Additional Optional Coverages	If you'd like to purchase additional coverage for specific items of value in your home—like jewelry, sports equipment, computer equipment, engagement presents—you may want to consider personalizing your policy with an Optional Coverage. Ask me for more information on the available Optional Coverages or read more about Optional Coverages.

*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 that you could save on your renters insurance policy if you also have an auto policy with Taragowski Insurance Agency? Learn about all the great discount and savings opportunities available to you, or contact me to quickly discuss them over the phone.

A Great Deal Gets Even Better

With an Taragowski Insurance Agency discount on your Renters Insurance Policy, a great deal truly does get even better. I can help you sort through the discounts that apply to you and your situation. Do you have smoke alarms, dead bolt locks or a burglary alarm system in your rental unit? Are you insured with any other Taragowski Insurance Agency policies? Are you retired and at least 55 years of age? The answers to these questions could make a difference in your premium.

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.