Renters Insurance

Protection for what you own—and peace of mind for how you live.

At Truska Insurance Agency, we help renters in Chicago, IL safeguard furniture, electronics, clothing, and more with affordable, reliable renters insurance.

While your landlord’s policy protects the building, it doesn’t cover your personal property or liability. Our Chicago renters’ insurance policies cover furniture, electronics, clothing, and other personal belongings against theft, fire, water damage, and other unexpected events. We also offer liability protection if someone is injured in your rented space.

Simple. Affordable. Essential. With Truska Insurance, protecting your lifestyle in Chicago is easy.

Smart, Affordable Renters’ to protect What’s Yours

Personal Property

Helps protect furniture, electronics, clothing, décor. If your possessions are damaged or lost due to a covered event like fire, theft, smoke, or certain types of water damage, your policy helps repair or replace them.

Personal Articles Floater

Additional coverage options are available for valuable items, such as jewelry, art, or special collectibles.

Identity Theft Recovery

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.

Personal Liability Protection

Protects you if someone is injured in your apartment or if you accidentally cause damage to someone else’s property. It helps cover medical bills, legal costs, and repairs when life doesn’t go as planned. It well worth the premium.

Loss of Use

If a covered event — like a fire, burst pipe, or severe storm — makes your apartment uninhabitable, it helps pay for temporary housing and additional living expenses while repairs are being made.

Optional Add-Ons for Extra Protection

Replacement Cost Coverage, Water Backup Coverage, Pet Liability.

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 work with leading national and regional carriers that understand the unique needs of retail businesses. Our team takes the time to learn about your operations, identify potential exposures, and craft coverage that helps protect your property, employees, and bottom line.

What to Expect from us:

  • Local Expertise – Proudly serving Chicago and surrounding communities for over 25 years.

  • Access to Top Carriers – We compare multiple insurance companies to find you the best value and protection.

  • Claim Support You Can Count On – When life happens, we’re here to help you navigate the process with confidence and care.

25+

Years of experience & counting.

claim Scenarios

Water Damage

Imagine coming home to find your laptop or bike missing after a break-in. With the right coverage, you don’t have to worry — your policy helps cover the cost of replacing stolen items, so you can get back to normal without missing a beat.

Smoke Damage

When your neighbor’s cooking gets out of control and your place turns smoky or scorched, your belongings are protected. Renter’s insurance helps replace belongings lost due to fire or smoke, such as furniture, electronics, and clothing.

Water Damage

Your upstairs neighbor’s bubble bath has gone rogue, and water seeps through the ceiling and damages your furniture, rug, or electronics; your renter’s insurance steps in to help cover the cost of getting your space back to normal. Even better — you’ll have peace of mind knowing you’re protected from life’s little surprises.

Allianz
The Hanover Insurance Group
The Hartford
Liberty Mutual
National General
Nationwide
Openly
Safeco Insurance
Travelers
Vault
AIG
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FROM EVERYDAY INCIDENTS TO UNEXPECTED EVENTS:

Examples of what is covered

Renter’s insurance isn’t just for worst-case scenarios—it’s everyday peace of mind, knowing you’re protected from the unexpected. It’s an easy win for your wallet and your world.

Theft

Someone breaks in and swipes your laptop or bike? Covered. Even if it’s stolen from your car or a café—yep, still covered.

Fire & Smoke

Whether it starts in your place or next door, you’re covered. So, if your neighbor’s “gourmet flambé” gets out of control and your place turns smoky or scorched, your belongings are protected. Renter’s insurance helps replace belongings lost to fire or smoke, like furniture, electronics, and clothing.

Water Damage

Your upstairs neighbor’s bubble bath gone rogue? If water seeps down and ruins your couch, rug, or even fries your electronics, renter’s insurance has your back. (Just a heads-up: flood damage from natural disasters usually requires separate coverage.)

Power Surges

Zapped electronics from a power surge caused by lightning? Boom. You’re covered.

Liability Protection

Your friend trips over your gaming console cords and breaks an arm? Liability coverage can help with their medical bills and protect you from being sued.

Temporary Housing

Your apartment becomes unlivable after a covered disaster? Renter’s insurance helps pay for a hotel or temporary pad while your place is being fixed up.

Personal Property on the Go

Your luggage goes on vacation… without you? If it’s stolen while traveling, renter’s insurance can come to the rescue.