What Kind of Condo Insurance Do I Need?
Whether you’re new to condominium ownership or youāre an experienced condo owner, it’s important to know that condo insurance can vary greatly from building to building. It is wise to seek the advice of a good insurance agent that can comb through the details of your condo agreement and help you through the process. At Jeffery and Spence, we always advise our clients based on their unique association agreement.
Here are answers to our most frequently asked questions that will help you determine what kind of condo insurance you need:
What kind of condo insurance do I need?
Condominium owners and condo corporations are liable for different aspects of the condo building and individual units. There are two policies that work in tandem to protect you from loss and personal liability:
- Unit Owners Policy āPaint inā
- Condo Corps Policy āStructureā
As a condo owner, you will need a āUnit Owners Policyā which provides coverage for belongings, betterments, and liability, within the walls of your unit.
A second policy, you contribute to through your monthly condo fees, is known as a Condo Corps Policy. This policy insures the structure of the building in the event of structural damage, and protects unit owners for liability claims from outside of their unit.
What Does Condo Insurance Cover?
The Unit Owners Policy and Condo Corps Policy together can insure you for all of your belongings and betterments within your unit, as well as damage to the building, shared areas and liability claims. If you have questions about coverage for your possessions, look to your Unit Owners Policy first.
Unit Owners Policy āPaint inā
In most cases, your Unit Owners Policy insures assets within the walls of your unit. Standard agreements include:Ā
- Belongings: Electronics, appliances, furniture, clothing, toys, etc.
- Betterments/Improvements: Flooring, countertops, electrical, wall coverings.
- Personal Liability: Protection for claims made against you for any personal injury or property damage.
- Assessments: Injuries in/damage to common areas (stairs, pools, garden) where courts deem a penalty that is higher than the amount of liability coverage provided by the condominium corporation insurance policy.
- Additional living expenses: In the event of major damage, the cost of relocation expenses.
Quick Tip:
The condo corporationās insurance only covers the original build and would not cover improvements/upgrades.
Condo Corps Policy āStructureā
The Condo Corps policy is coverage for the structure itself. In your unique condo association agreement, the building will have defined a standard unit.
In the event of a fire or other major damages, the Condo Corps policy would cover the cost to rebuild the unit, minus the betterments/improvements that were made since its inception.Ā
Quick Tip:
Each year, you should review your Unit Owners Policy with your Condo Corps policy
How Much is Condo Insurance?
Like most insurance policies, condo insurance has no āone size fits allā option. There are two policies you will contribute towards:
- Condo Corporation Policy ā Bundled within your monthly condo fee
- Unit Owners Policy ā Paid outside of your monthly fee
The Unit Owners Policy will be paid in addition to your monthly condo fee. The cost of your policy will be determined based on the value of your assets.Ā
How can you determine this value? One strategy is often referred to as the āgameshow approachā.
The Gameshow Approach
Try this exercise: Go through your home and estimate the price of all your belongings if you were to purchase them new today ā laptops, furniture, clothing, jewelry, everything. If you are not sure, round up.Ā
Add all these costs together and write down the total. The idea is that if something unfortunate were to happen, and you experienced a loss, you would need to know how much it would be to buy everything again.Ā
This dollar figure is the number that your broker will ask for to provide a quote on your policy. It may not be as costly as you think to replace your items, and often you would be surprised by how affordable it is to be properly protected.Ā
Quick Tip:
The gameshow approach doesn’t mean you can call a friend and ask about their policy. There is no standard condo association agreement, so itās best to assume the details of your agreement are different from theirs, or somewhere you may have previously lived.Ā
There’s a lot to consider when tailoring a condominium insurance policy. This is where an experienced insurance professional can help. Work with Jeffery and Spence Insurance to find the best condo insurance coverage for you.
ŠØŠ°Š¼Š°Š½ŃŃŠ²Š¾ Š½Š¾Š²ŃŃ ?Š·Š½Š°ŠŗŠ¾Š¼ŃŃŠ² ŃŃŠ¾ Š»Ń ŠøŠ·Š¼ŠµŠ½ŠøŃŃ? Š²Š°ŃŃ ?Š¶ŠøŠ·Š½Ń Šø ?Š¾ŃŠŗŃŃŃŃ ?Š“Š²ŠµŃŠø Š±ŃŠŗŠ²Š° Š½ŠµŃŠŗŠ¾Š½ŃŠ°ŠµŠ¼ŃŠ¼ Š²Š¾Š·Š¼Š¾Š¶Š½Š¾ŃŃŃŠ¼.? Š Š¢ŠŠ§ŠŠŠŠ ?Š¼ŠøŃŠµ, Š³Š“Šµ ŃŠµŃ Š½Š¾Š»Š¾Š³ŠøŠø Š¾Š“ŠøŠ½-Š“ŃŃŠ³Š¾Š¹ Š»ŃŠ±ŃŠ¼ Š“Š½ŠµŠ¼? Š“ŠµŠ»Š°ŃŃŃŃ Š²ŃŠµ Š±Š¾Š»ŠµŠµ ŃŃŃŠµŃŃŠ²ŠµŠ½Š½ŃŠ¼Šø, Š¾Š½Š»Š°Š¹Š½-Š·Š½Š°ŠŗŠ¾Š¼ŃŃŠ²Š° ?Š“Š»Ń Š¾ŃŠ½Š¾ŃŠµŠ½ŠøŠ¹ ŃŃŠ°ŃŃ Š²ŃŠµ ŃŠøŠ»ŃŠ½ŠµŠµ ŠæŠ¾ŠæŃŠ»ŃŃŠ½ŃŠ¼Šø. ŠŠ°Š¹ŃŠµ Š²Š¼ŠµŃŃŠµ ŠøŃŃŠ»ŠµŠ“ŃŠµŠ¼? Š·Š°ŃŃŠøŠ³Š°ŃŃŠøŠµ ?Š²Š¾Š·Š¼Š¾Š¶Š½Š¾ŃŃŠø ŠøŠ½ŃŠµŃŠ½ŠµŃŠ°? ŃŃŠ¾Š±Ń Š²ŃŃŃŠµŃŠø Š»ŠøŃŠ½Š¾Š¹ Š²ŃŠ¾ŃŠ¾Š¹ ?ŠæŠ¾Š»Š¾Š²ŠøŠ½ŠŗŠø ?Šø ?ŃŠ¾Š·Š“Š°Š½ŠøŃ ŠŗŃŠµŠæŠŗŠøŃ ?Šø Š“Š¾Š»Š³Š¾ŃŃŠ¾ŃŠ½ŃŃ Š¾ŃŠ½Š¾ŃŠµŠ½ŠøŠ¹.
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ŠŠ½Š°ŃŠµŠ½ŠøŠµ? ŃŃŠ²ŃŃŠ²ŠµŠ½Š½Š¾Š¹ ŃŠ¾ŠæŠ¾ŃŃŠ°Š²ŠøŠ¼Š¾ŃŃŠø ?Š²? ŠŗŠ°ŃŠ°ŃŠµŠ»ŃŃŃŠ²Š°Ń
ŠŠ°Š¶Š½Š¾Šµ Š·Š½Š°ŃŠµŠ½ŠøŠµ Š² ŃŠµŃŠµŠ½ŠøŠµ Š²ŃŃŠ°Š±Š°ŃŃŠ²Š°Š½ŠøŠø ŠŗŃŠµŠæŠŗŠøŃ Š° ŃŠ°ŠŗŠ¶Šµ Š³Š°ŃŠ¼Š¾Š½ŠøŃŠ½ŃŃ ?Š¾ŃŠ½Š¾ŃŠµŠ½ŠøŠ¹ ŠøŠ³ŃŠ°ŠµŃ? ŃŠ¼Š¾ŃŠøŠ¾Š½Š°Š»ŃŠ½Š°Ń ŃŠ¾Š²Š¼ŠµŃŃŠøŠ¼Š¾ŃŃŃ. ŠŠ¾Š³Š“Š° ŠæŠ°ŃŃŠ½ŠµŃŃ ŃŠæŠ¾ŃŠ¾Š±Š½Ń ŠæŠ¾Š½ŠøŠ¼Š°ŃŃ Šø ŠµŃŠµ ŃŠ“ŠµŃŠ¶ŠøŠ²Š°ŃŃ ŃŠ½ŃŃŠ¾Šŗ Š“ŃŃŠ¶ŠŗŠ° Š½Š° ?ŃŠ¼Š¾ŃŠøŠ¾Š½Š°Š»ŃŠ½Š¾Š¼ Š²Š°ŃŠµŃŠæŠ°ŃŠµ, ŃŃŃŠ¾ ŃŠ¾ŃŠ¼ŠøŃŃŠµŃ ?Š¾ŃŠ½Š¾Š²Ń Š“Š»Ń Š·Š“Š¾ŃŠ¾Š²Š¾Š¹? Šø ŠæŃŠ¾ŃŠ½Š¾Š¹ ?ŃŠ²ŃŠ·Šø.
ŠŠ¼Š¾ŃŠøŠ¾Š½Š°Š»ŃŠ½Š°Ń ŃŠ¾ŠæŠ¾ŃŃŠ°Š²ŠøŠ¼Š¾ŃŃŃ ŠæŠ¾Š·Š²Š¾Š»ŃŠµŃ? ŠæŠ°ŃŃŠ½ŠµŃŠ°Š¼ Š²ŃŃŠ°Š¶Š°ŃŃ? ŃŠ¾Š±ŃŃŠ²ŠµŠ½Š½ŃŠµ ŃŃŠ²ŃŃŠ²Š° Šø? Š²ŠæŠµŃŠ°ŃŠ»ŠµŠ½ŠøŃ ŃŠ²Š½Š¾ ŃŠ°Š²Š½ŃŠ¼ Š¾Š±ŃŠ°Š·Š¾Š¼ Š±ŠµŠ· ŃŃŠµŠæŠµŃŃ Š½Š°Ń Š¾Š“ŠøŃŃŃŃ Š¾ŃŃŠ¶Š“ŠµŠ½Š½ŃŠ¼Šø. ŠŃŠ¾ ŃŠæŠ¾ŃŠ¾Š±ŃŃŠ²ŃŠµŃ ?Š±Š¾Š»ŠµŠµ Š³Š»ŃŠ±Š¾ŃŠ°Š¹ŃŠµŠ¼Ń ŃŠ°Š·Š³Š°Š“ŃŠ²Š°Š½ŠøŃ Š“ŃŃŠ³ Š½ŠµŠ½Š°Š³Š»ŃŠ“Š½Š¾Š³Š¾ Š° ŃŠ°ŠŗŠ¶Šµ ŃŠŗŃŠµŠæŠ»ŃŠµŃ? ŃŠ¾Š²Š°ŃŠøŃŠµŃŃŠ²Š¾ Š² Š¾ŃŠ½Š¾ŃŠµŠ½ŠøŃŃ .
ŠŠæŠøŠ·Š¾Š“ŠøŃŠµŃŠŗŠø Š»ŃŠ“Šø ŃŠ¾Š²Š¼ŠµŃŃŠøŠ¼Ń ŃŠ¼Š¾ŃŠøŠ¾Š½Š°Š»ŃŠ½Š¾, ?Š¾Š½Šø Š»ŃŃŃŠµ ŃŠæŃŠ°Š²Š»ŃŃŃŃŃ ŠøŠ· ŃŃŠ¾Š»ŠŗŠ½Š¾Š²ŠµŠ½ŠøŃŠ¼Šø (Š°) ŃŠ°ŠŗŠ¶Šµ ŃŃŃŠµŃŃŠ¾Š²ŃŠ¼Šø Š¾Š±ŃŃŠ°Š½Š¾Š²ŠŗŠ°Š¼Šø Š²? Š¾ŃŠ½Š¾ŃŠµŠ½ŠøŃŃ . ŠŠ½Šø? ŃŠøŠ»ŃŠ½ŠµŠµ ŃŠŗŠ»Š¾Š½Š½Ń ŠæŠ¾Š“Š“ŠµŃŠ¶ŠøŠ²Š°ŃŃ Š“ŃŃŠ³ Š¼ŠøŠ»Š°ŃŠŗŠø ?Šø ŠøŃŠŗŠ°ŃŃ? ŠŗŠ¾Š¼ŠæŃŠ¾Š¼ŠøŃŃŃ Š² ŃŠµŃŠµŠ½ŠøŠµ ?ŃŠ»Š¾Š¶Š½ŃŃ ŃŠøŃŃŠ°ŃŠøŃŃ .
Š§ŃŠ¾ ŠæŠ¾Š“ŠµŠ»Š°ŠµŃŃ ŃŃŠµŃŃŃ, ŃŃŠ¾ ŃŃŠ²ŃŃŠ²ŠµŠ½Š½Š°Ń ŃŠ¾ŠæŠ¾ŃŃŠ°Š²ŠøŠ¼Š¾ŃŃŃ ŃŃŠµŠ±ŃŠµŃ ŃŠ°ŃŃ Šø? ŠæŠ¾ŠæŃŃŠ¾Šŗ ŃŠµŃŠµŠ· Š“Š²ŃŃ ŃŃŠ¾ŃŠ¾Š½. ŠŃŠŗŃŃŠ²Š°ŃŃŃŃ Š“ŃŃŠ³ Š“ŃŃŠ³Ń,? ŠæŃŠ¾ŠøŠ·Š½Š¾ŃŠøŃŃ ŃŠ¾Š±ŃŃŠ²ŠµŠ½Š½ŃŠµ ŃŃŠ²ŃŃŠ²Š° (Š°) ŃŠ°ŠŗŠ¶Šµ ?ŃŠ²Š°Š¶Š°ŃŃ ŃŠŗŃŠæŠ°Š½ŃŠøŠ²Š½ŃŠµ ŠæŠ¾ŃŃŠµŠ±Š½Š¾ŃŃŠø ŠæŠ°ŃŃŠ½ŠµŃŠ° – ŠæŃŠøŠ½ŃŠøŠæŠøŠ°Š»ŃŠ½ŃŠµ ŃŠ°Š³Šø Š“Š»Ń ?ŃŠ¾Š·Š“Š°Š½ŠøŃ ?ŠŗŃŠµŠæŠŗŠøŃ Šø ŠµŃŠµ Š“Š¾Š»Š³Š¾ŃŃŠ¾ŃŠ½ŃŃ Š¾ŃŠ½Š¾ŃŠµŠ½ŠøŠ¹.
ŠŃŠ½Š¾Š²Š½ŃŠµ ŠæŃŠøŠ½ŃŠøŠæŃ  ŠæŃŠ°Š²Š¾Š²ŃŠµ Š¾ŃŠ½Š¾ŃŠµŠ½ŠøŃ
ŃŠ“Š°ŃŠ½Š¾Š³Š¾ Š·Š½Š°ŠŗŠ¾Š¼ŃŃŠ²Š°
ŠŠ¾ŃŃŠøŠ³Š½ŃŃŃ ŠøŠ¼ŠµŃŃŠøŠ¹ Š½Š°ŠøŠ±Š¾Š»ŃŃŠµŠµ Š·Š½Š°ŃŠµŠ½ŠøŠµ ŃŠøŠ»Š¾ŃŠ¾ŃŠøŃ ŃŃŃŠµŠŗŃŠøŠ²Š½Š¾Š³Š¾ Š·Š½Š°ŠŗŠ¾Š¼ŃŃŠ²Š° ā ŃŃŃŠ¾ Š²Š°Š¶Š½ŃŠ¹ ŃŠ°Š³ Š½Š° Š“Š¾ŃŠ¾Š³Šµ Šŗ ŃŠ¾ŃŠ²Š¾ŃŠµŠ½ŠøŃ ŠŗŠ¾Š½ŃŠµŠ½ŃŃŠøŃŠ¾Š²Š°Š½Š½ŃŃ Š° ŃŠ°ŠŗŠ¶Šµ Š“Š¾Š»Š³Š¾Š²ŃŠµŠ¼ŠµŠ½Š½ŃŃ Š¾ŃŠ½Š¾ŃŠµŠ½ŠøŠ¹. Š”Š²Š¾Ń ŃŃŠŗŠ° Š¼Š¾Š³ŃŃ? Š³Š½ŠµŠ·Š“ŠøŃŃŃŃ ?ŠŗŠ°Šŗ ŃŃŠ»Š¾Š²Š½ŃŠ¼Šø, ŃŠŗŠ¾ Š° ŃŠ°ŠŗŠ¶Šµ Š°Š²ŃŠ¾Š½Š¾Š¼Š½Š¾, Ń Š¾ŃŃ ŃŠæŠ¾Ń Š°Š»ŃŠ½Š¾ ŠæŠ¾Š¼Š½ŠøŃŃ, ŃŃŠ¾ Šø? Š²? ŃŠ¾Š¼ Šø ?Š² Š“ŃŃŠ³Š¾Š¼ ?ŃŠ»ŃŃŠ°Šµ ŠµŃŃŃ? Š½Š°Š·Š½Š°ŃŠµŠ½Š½ŃŠµ ŃŠøŠ»Š¾ŃŠ¾ŃŠøŃ, ŠŗŠ¾ŃŠ¾ŃŃŠµ ŠæŠ¾ŃŠ¾Š“ŠµŠ¹ŃŃŠ²ŃŃŃ ?ŃŠ“ŠµŠ»Š°ŃŃ Š²Š°ŃŃ? Š²ŃŃŃŠµŃŃ Š·Š°ŠæŠ¾Š¼ŠøŠ½Š°ŃŃŠµŠ¹ŃŃ Š° ŃŠ°ŠŗŠ¶Šµ ŠæŃŠ¾Š“ŃŠŗŃŠøŠ²Š½Š¾Š¹.
ŠŠµŃŠ²Š¾Š½Š°ŃŠ°Š»ŃŠ½ŃŠ¼ Š° ŃŠ°ŠŗŠ¶Šµ, ?ŠæŠ¾Š¶Š°Š»ŃŠ¹, ŃŠ°Š¼ŃŠ¼ ?Š²Š°Š¶Š½ŃŠ¼? ŠæŃŠøŠ½ŃŠøŠæŠ¾Š¼? ŃŃŃŠµŠŗŃŠøŠ²Š½Š¾Š³Š¾ Š»Š°ŠæŠ° ŃŠ²Š»ŃŠµŃŃŃ ŠøŃŠŗŃŠµŠ½Š½Š¾ŃŃŃ. ŠŃŠ“ŃŃŠµ? Š¾ŃŠŗŃŃŃŃ Š“Š° ?ŃŠµŃŃŠ½Ń Ń Š±Š»ŠøŠ·ŠŗŠøŠ¼ ŃŠ¾Š±ŠµŃŠµŠ“Š½ŠøŠŗŠ¾Š¼, ŃŠ°ŃŠæŠ°Š“ŠøŃŠµŃŃ ŃŠ²Š¾Š¹ŃŠŗŠøŠ¼Šø Š¼ŃŃŠ»ŃŠ¼Šø, ŃŃŠ²ŃŃŠ²Š°Š¼Šø? Š° ŃŠ°ŠŗŠ¶Šµ ŠøŠ½ŃŠµŃŠµŃŠ°Š¼Šø. Š¢Š¾Š»ŃŠŗŠ¾ ŃŠŗŠ¾ Š²Ń ŃŃŠ¼ŠµŠµŃŠµ ŠæŠ¾ŃŃŃŠ¾ŠøŃŃ ŠŗŠ¾Š½ŃŠøŠ“ŠµŠ½ŃŠøŠ°Š»ŃŠ½ŃŠµ Š¾ŃŠ½Š¾ŃŠµŠ½ŠøŃ ŃŠ²ŠµŃŃ Ń ŠøŃŃŠ¾ŃŠ½ŠøŠŗŠµ ?Š²Š·Š°ŠøŠ¼Š½Š¾Š³Š¾ ŃŠ²Š°Š¶ŠµŠ½ŠøŃ.
Š„Š¾ŃŃ Š¾Š“Š½ŠøŠ¼ ŠæŃŠøŠ½ŃŠøŠæŠøŠ°Š»ŃŠ½ŃŠ¼ ?ŠæŃŠøŠ½ŃŠøŠæŠ¾Š¼ Š±ŠµŃŠµŃŃŃ ŃŠ¾ŃŠ¾ŃŠ¼ŠµŠ½ŠøŠµ ŠæŃŠµŠ²ŃŠ°ŃŠøŃŃŃŃ Š² ŃŠ»ŃŃ ?Šø ŠøŠ¼ŠµŃŃŃŃ Š“ŃŃŠµŠ²Š½ŃŠ¼ Šŗ ŃŠ¾Š±ŠµŃŠµŠ“Š½ŠøŠŗŃ. ŠŃŠ¾ Š“Š¾Š·Š²Š¾Š»ŠøŃ ŠæŠ¾Š½ŃŃŃ ŠµŠ²Š¾Š½Š½ŃŠ¹ ŃŠø Š½ŠµŠµ Š»ŃŃŃŠµ, ŃŠ“ŠµŠ»Š°ŃŃ ŠŗŠ¾Š¼ŃŠ¾ŃŃŠ½ŃŃ? Š¼ŠµŠ±ŠµŠ»Ń ŃŠ°Š²Š½Š¾ ?ŠæŃŠ¾ŃŠ²ŠøŃŃ? Š·Š°ŠøŠ½ŃŠµŃŠµŃŠ¾Š²Š°Š½Š½Š¾ŃŃŃ Š²? ŠæŠ°ŃŃŠ½ŠµŃŠµ. Š£ŠæŠ¾Š¼Š½ŠøŃŠµ, ŃŃŠ¾ Š²Š°Š¶Š½Š¾ Š²ŠøŠ“ŠøŠ¼Š¾-Š½ŠµŠ²ŠøŠ“ŠøŠ¼Š¾ ŃŃŃŃ ŃŠ¾Š»ŃŠŗŠ¾ ŃŠ¾Š¾Š±ŃŠ°ŃŃ, Š½Š¾ Š° ŃŠ°ŠŗŠ¶Šµ ŃŠ»ŃŃŠ°ŃŃ.
Š¼Š°Š»Š¾Š²ŃŠ³Š¾Š“Š½ŃŠ¹ Š·Š°ŠæŠ°Š¼ŃŃŠ¾Š²ŃŠ²Š°Š¹ŃŠµ ŠæŃŠ¾ ŃŃŠøŠŗŠµŃ ?Šø ŃŠ²Š°Š¶ŠµŠ½ŠøŠµ. ŠŠ¾Š¼Š½ŠøŃŠµ, ŃŃŠ¾ ŠŗŠ°Š¶Š“ŃŠ¹? ŃŠ²Š°Š½ŃŃŠ¾Šæ ?ŃŠ½ŠøŠŗŠ°Š»ŠµŠ½, Šø ŃŃŠ¾ŠøŃ ŠŗŠ°ŃŠ°ŃŃŃŃ Š“Š»Ń Š“ŠµŃŠµŠ²ŠµŠ½Ń Ń? ŃŠ²Š°Š¶ŠµŠ½ŠøŠµŠ¼.? ŠŃŃŠ°Š¶Š°Š¹ŃŠµ ?ŃŠ²Š¾Šø ŠæŠ¾Š»Š°Š³Š°Š¹ ŃŠ°Š²Š½ŃŠ¼ Š¾Š±ŃŠ°Š·Š¾Š¼ ŃŠ°Š½ŃŠøŠ¼ŠµŠ½ŃŃ ŃŠ°ŠŗŠøŠ¼ ?Š¾Š±ŃŠ°Š·Š¾Š¼, ŃŃŠ¾Š±Ń ŃŠøŃŠ»Š° Š²Š·Š²Š¾Š»Š½Š¾Š²Š°ŃŃ ?ŃŃŠ²ŃŃŠ²Š° ŃŠ¾Š±ŠµŃŠµŠ“Š½ŠøŠŗŠ°, Šø ŠµŃŠµ ?ŠæŠ¾Š¼Š½ŠøŃŠµ, ?ŃŃŠ¾ Š²ŠµŠ¶Š»ŠøŠ²Š¾ŃŃŃ ā ?ŃŃŠ¾ ?ŠŗŠ»ŃŃ ?Šŗ ŃŠ°ŃŃŠ²ŠµŃŠ°ŠµŠ¼ Šø ŠæŃŠ¾Š“Š¾Š»Š¶ŠøŃŠµŠ»ŃŠ½ŃŠ¼ Š¾ŃŠ½Š¾ŃŠµŠ½ŠøŃŠ¼.
Š ŠµŠŗŠ¾Š¼ŠµŠ½Š“Š°ŃŠøŠø ŠæŠ¾ Š¾ŃŃŃŠŗŠøŠ²Š°Š½ŠøŃ ?ŠæŠ°ŃŃŠ½ŠµŃŠ° ?Š“Š»Ń ŃŃŃŠ¾Š²ŃŃ Š²Š·Š³Š»ŃŠ“Š¾Š²
Š? ŃŠ°Š·Š²ŠµŠ“ŠŗŠµ ŠæŠ°ŃŃŠ½ŠµŃŠ°? Š“Š»Ń ŃŃŃŠ¾Š²ŃŃ Š²Š·Š³Š»ŃŠ“Š¾Š² ŃŠæŠ¾Ń Š°Š»ŃŠ½Š¾ ŠøŠ¼ŠµŃŃ ?ŃŠµŃŠŗŠ¾Šµ ŃŠ¾Ń ?Š¾ ŃŠ¾Š¼,? ŃŃŠ¾ ŠøŠ¼ŠµŠ½Š½Š¾ ?Š²Ń Š²ŃŠøŃŠŗŠøŠ²Š°ŠµŃŠµ Š² ŠæŠ°ŃŃŠ½ŠµŃŠµ. ŠŠ¾ŃŃŠ°Š²ŃŃŠµ ŃŠµŠ±Ń Š¼ŠøŃŃŠøŠø Šø Š“ŠµŃŠ¶ŠøŃŠµŃŃ ŠøŃ Š½ŠøŠ¹, ŃŃŠ¾Š± ŠøŃŠŗŠ»ŃŃŠøŃŃ Š½ŠµŠ½Š°Š“Š¾Š±Š½ŃŃ ŃŠ°Š·Š¾ŃŠ°ŃŠ¾Š²Š°Š½ŠøŠ¹.
ŠŠ¾Š³Š“Š° Š²Š°ŃŠ° Š¼ŠøŠ»Š¾ŃŃŃ Š½Š°Ń Š¾Š“ŠøŃŠµ Š½ŠµŠøŠ·Š²ŠµŃŃŠ½Š¾ ŠŗŠ¾Š³Š¾, ŠŗŃŠ¾ ?Š²Š°Š¼ ŃŠ²Š»ŠµŠŗŠ°ŃŠµŠ»ŠµŠ½, Š½Šµ? ŠæŠ¾ŃŠ¾ŃŠ°ŠæŠ»ŠøŠ²Š°ŠµŃŠµŃŃ ŃŃŠ°Š·Ń ŃŠ»ŃŃŠ°ŃŃ Š²ŃŠ²Š¾Š“Ń. Š£Š“ŠµŠ»ŠøŃŠµ ŃŃŃŠø Š½Š° ŃŠŗŃŠ°Š½ŠøŠµ, ?ŃŠ·Š½Š°Š¹ŃŠµ ?Š“ŃŃŠ³ Š“ŃŃŠ³Š° Š»ŃŃŃŠµ, ŃŃŠ¾Š±Ń ŠæŠ¾Š½ŃŃŃ,? Š¾ŃŠ²ŠµŃŠ°ŠµŃ Š¾Š³Š¾Š½Ń ŃŠ²Š°Š½ŃŃŠ¾Šæ Š²Š°ŃŠøŠ¼ Š¾Š¶ŠøŠ“Š°Š½ŠøŃŠ¼.
Š£ŠæŠ¾Š¼Š½ŠøŃŠµ, ŃŃŠ¾ ŃŃŠ¾Š±Ń ŃŃŠæŠµŃŠ½ŃŃ ? ŠŗŠ°ŃŠ°ŃŠµŠ»ŃŃŃŠ² Š²Š°Š¶Š½Š¾? ŃŠ¾ŃŠŗŠø ŃŠ¾ŠæŃŠøŠŗŠ¾ŃŠ½Š¾Š²ŠµŠ½ŠøŃ ŠæŠ¾Š½ŠøŠ¼Š°Š½ŠøŠµ, ŃŠ²Š°Š¶ŠµŠ½ŠøŠµ ŃŠ°Š²Š½ŃŠ¼ Š¾Š±ŃŠ°Š·Š¾Š¼ ŠæŠ¾Š“Š“ŠµŃŠ¶ŠŗŠ°. ?ŠŃŠ“ŃŃŠµ Š¾Š±Š½Š°ŃŃŠ¶ŠµŠ½Š½ŃŠ¼Šø ŃŠ°Š²Š½Š¾ ŃŠµŃŃŠ½ŃŠ¼Šø, Š¾Š³Š¾Š²Š°ŃŠøŠ²Š°Š¹ŃŠµ ŃŠ²Š¾Šø ŃŃŠ²ŃŃŠ²Š° Š° ŃŠ°ŠŗŠ¶Šµ ?Š¾Š¶ŠøŠ“Š°Š½ŠøŃ, ŃŃŠ¾Š±Ń ŠøŠ·Š±ŠµŠ¶Š°ŃŃ Š½ŠµŠ“Š¾ŠæŠ¾Š½ŠøŠ¼Š°Š½ŠøŠ¹ ?Šø ŠŗŠ¾Š½ŃŠ»ŠøŠŗŃŠ¾Š².
ŠŠ°Š¶Š½Š¾ ŃŠ°ŠŗŠ¶Šµ Š±ŠµŃŃŃŠµŃŠ½Š¾ ŠæŠ¾Š·Š°Š±ŃŠ²Š°ŃŃ Š¾? Š·Š°Š±Š¾ŃŠµ ŃŠ°ŠŗŠ¶Šµ Š²Š½ŠøŠ¼Š°Š½ŠøŠø ŠŗŠ¾ ŠæŠ°ŃŃŠ½ŠµŃŃ. ŠŃŠ¾ŃŠ²Š»ŃŠ¹ŃŠµ Š¾ŠæŠµŠŗŃ, Š“ŠµŠ»ŠøŃŠµŃŃ? ŃŠ°Š“Š¾ŃŃŃŠ¼Šø Šø Š³Š¾ŃŠµŃŃŃŠ¼Šø,? Š¶ŠµŠ»Š°ŠµŃŠµ ŠŗŠ¾ Š²Š·Š°ŠøŠ¼Š¾ŠæŠ¾Š½ŠøŠ¼Š°Š½ŠøŃ ŃŠ°ŠŗŠ¶Šµ ŠæŠ¾Š“Š¼Š¾Š³Šµ,? ŃŃŠ¾Š±Ń? ŃŠ“ŠµŠ»Š°ŃŃ ŠŗŃŠµŠæŠŗŠøŠµ Šø ŠµŃŠµ Š“Š¾Š»Š³ŠøŠµ Š¾ŃŠ½Š¾ŃŠµŠ½ŠøŃ.
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