While your landlord’s insurance likely covers the physical dwelling where you live, it can be up to you to protect your personal property, such as your clothes, electronics and furniture. In addition, renters may spend considerable time and money on alterations or improving their rental unit.
We offer exceptional coverage for homes of any size. Please complete the attached quote form and a licensed broker will get back to you about your insurance needs.
The cost of your insurance and premium depends on several factors including your home’s location and the likelihood of it being affected by natural disasters, the coverage amount you require, the deductible you've selected, the safety and security measures of your home, your claims history and bill-paying record, your credit score (if applicable), the unique features of your home, the type of coverage you choose, the duration of your association with the company, and any other products you might have that qualify for a discount when bundled.
Replacement cost coverage is an insurance policy that determines the coverage amount for your home based on its replacement cost. This cost is the amount it would take to rebuild your home just as it was before, with the same level of detail and finishes. The policy takes into account the costs of materials, labor, architect and designer fees, lighting, and custom design finishes at the time of a loss. Furthermore, with extended replacement cost coverage, your insurance provider will pay to rebuild or restore your home after a covered loss, even if the cost exceeds your policy limits. This coverage could also include upgrades required to keep up with modern building codes.
You can lower your insurance premium by increasing your deductible, bundling your policies, and taking advantage of available discounts.
Personal liability coverage can help protect you in the event of a claim. It also helps cover related costs if a legal suit is brought against you or a member of your household for bodily injury or property damage to others.
In the event that the things inside your home are damaged, we will replace all the details that turned your house into a home, from upgraded appliances to custom cabinets, flooring or carpentry. Plus, we’ll replace upgraded appliances based on the exact or latest model available. We’ll make sure your belongings are covered for the amount it costs to replace them today, without deduction for depreciation, up to the limit you chose on your policy.
In case your home becomes uninhabitable due to a covered loss and you require a temporary residence while your house is being rebuilt, we will assist you in finding a comfortable place to stay. This could either be a similar home in your school district (if available) or a suitable hotel.
If water backs up from a sewer or drain within your home or if water discharges or overflows from your sump pump, this coverage can help cover the loss up to a specified dollar amount. This does not include coverage for flood or surface water backup. - Flood insurance is a different add-on coverage.
Identity fraud expense reimbursement coverage can provide up to $25,000 that can help cover expenses to restore your identity if it's used fraudulently.
A personal articles floater is a distinct insurance policy that offers protection for specific valuable items at an agreed-upon value. This policy provides an additional layer of coverage or higher amounts of coverage when required.
Truska Insurance specializes in providing renters insurance coverage. We help you find the right coverage at a competitive price, leveraging our years of experience and expertise in the industry.