Condominium Insurance
From Floors to Fixtures — Coverage That Protects What’s Yours
Owning a condo means enjoying the best of both worlds—homeownership with less maintenance. At Truska Insurance Agency, we provide specialized insurance solutions tailored to condominium unit owners across Chicago. Whether you live in a high-rise downtown or a low-rise building in the suburbs, we make sure your personal space is fully protected.
Our condo insurance policies are designed to fill the gaps left by your association’s master policy—covering your interior unit, personal belongings, liability, and any improvements you’ve made. As an independent agency, we work for you, not the insurance companies, offering unbiased advice and personalized coverage to fit your needs.
Smart coverage. Local support. Peace of mind. That’s what you can expect with Truska Insurance.
Condo Unit owner Coverage Options
The right coverage means peace of mind — knowing your home, belongings, and lifestyle are protected. Here’s a simple breakdown of the six main coverages included in a condo unit owners’ policy.
Condo Improvements
Covers the upgrades, alterations, or enhancements a condo unit owner makes to their unit that are not part of the original building or developer’s standard construction.
Personal Property
Personal Property Coverage in a homeowners insurance policy 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.
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.
Personal Liability Protection
Personal Liability Insurance provides financial protection if you are found legally responsible for bodily injury or property damage to others.
Personal Articles Coverage
A Personal Articles Floater policy provides specialized coverage for high-value personal belongings that may exceed the limits of a standard homeowners or renters insurance policy. It offers broader protection, including coverage for accidental loss, theft, and damage.
Loss of Use
Loss of Use Coverage in a homeowners insurance policy 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.
Why Choose Us
With more than 25 years of experience, we deliver personalized service and trusted guidance you can depend on.
As an independent insurance broker, we partner with leading national and regional carriers to address both business and personal insurance needs. Our team takes the time to understand your operations, lifestyle, and risk exposures, then designs tailored coverage solutions that protect your business, your personal assets, and your financial future.
What to Expect from us:
Years of experience & counting.
Getting Insurance Is As Easy As 1-2-3
Securing world-class insurance protection shouldn’t be complicated. Our process blends personalized guidance, curated expertise, and white-glove service—so you can safeguard your home, lifestyle, and legacy with complete confidence.
Monday to Friday: 8 am – 5 pm
(312) 802-8817
+1 (312) 802-8817
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Expert advice and industry trends to keep you informed and empowered to make confident decisions about protecting what matters most.
