Homeowner Insurance
Your home is more than just a place—it’s where life happens. At Truska Insurance Agency, we help homeowners in Chicago and the surrounding areas protect what matters most. We design homeowners insurance solutions tailored to your lifestyle, assets, and peace of mind—delivering the right coverage at the best value.
25+
Years In Business
35+
Companies Represented
95%
Customer Satisfaction Score
1000+
Happy Clients
Coverage to protect your most valuable asset
Dwelling Coverage
Dwelling Coverage is the foundation, providing financial protection for the structure of your home in case of covered damages.
Other Structures
Other Structures Coverage is a key component of a homeowner’s insurance policy that protects structures on your property that are not attached to your main home, such as detached garages, sheds, , swimming pools, fences, and gates.
Personal Property
Personal Property Coverage protects your belongings—furniture, clothing, electronics, and more—against covered perils like theft, fire, and storms. It ensures you can replace your possessions if they are damaged or lost.
Sewer & Water Backup
Sewer and backup and sump pump failure coverage to protect your basement from flooding is a common issue in many Chicago neighborhoods.
Personal Liability Protection
Personal Liability Insurance provides financial protection if you are found legally responsible for bodily injury or property damage to others.
Loss of Use
Loss of Use provides financial assistance if your home becomes uninhabitable due to a covered loss, such as a fire, storm damage, or other insured peril. It helps cover temporary living expenses while your home is being repaired or rebuilt.
Ordinance or Law Coverage
Helps cover the additional cost of rebuilding or repairing your home to meet current building codes after a covered loss.
Identity Theft
Identity theft can happen to anyone. If your personal information is stolen and used fraudulently, the costs to restore your credit and reputation can be overwhelming. Identity theft coverage helps you recover quickly and with less stress.
Extra Protection, Tailored to You
homeowner claim examples
smoke damage
A kitchen fire causes smoke damage throughout the home. Homeowners insurance helps pay for repairs, replaces damaged furniture and appliances, and covers hotel expenses.
Broken Pipe
A burst pipe floods your living room and ruins your flooring and furniture. Your policy covers the cost of cleanup, repairs, and replacement of personal belongings damaged by the water.
Slip and fall
A guest slips on a walkway, covered in ice and snow, and suffers an injury. Your homeowners’ policy helps cover their medical bills and legal expenses if you’re found responsible.
Rob is such a great person who has fully gained my trust. I appreciate all of his experience and knowledge. I know when I talk to him about what I need, he is always looking out for me and, most importantly, he is honest with me. I can’t tell you how much I’ve come to value honest and trustworthy professionals who are exceptional at what they do. Truska Insurance is definitely one of those places and I recommend his services to everyone I know.
K. Sparks
