Landlord Insurance
What to Expect
At Truska Insurance, we help protect your property by taking a personalized, thoughtful approach to landlord insurance. We take the time to understand your property, lifestyle, and priorities, then help you choose coverage that truly fits your needs—not just minimum requirements. As an independent agency, we compare options from multiple top‑rated carriers, clearly explain your coverage, help identify and prevent potential gaps, and remain available as your advocate when questions arise or a claim occurs. Our goal is to ensure your homeowners’ insurance evolves as your life changes, giving you confidence that what matters most is properly protected.
Building
Building coverage helps protect the physical structure of your rental property against damage from covered causes of loss, such as fire, wind, hail, vandalism, or theft. It typically includes the walls, roof, and attached structures like garages or decks.
Personal Property
Personal Property Coverage helps protect your belongings inside (and sometimes outside) your home, such as furniture, clothing, electronics, and household items, against covered losses like fire or theft. Coverage limits apply, and certain high‑value items may require additional coverage or scheduling.
Other Structures
Other Structures Coverage helps protect structures on your property that are not attached to your home, such as detached garages, sheds, fences, or gazebos, against damage from covered losses. Coverage limits are typically a percentage of your dwelling coverage.
Personal Liability
Personal Liability Coverage helps protect you if you are legally responsible for injuries to others or damage to their property. It can help pay for legal defense costs, settlements, or judgments resulting from covered incidents, whether they occur at your home or elsewhere.
Loss of Rental Income Coverage helps replace lost rental income if your rental property becomes uninhabitable due to a covered loss, such as fire or storm damage. This coverage helps reimburse the income you would have received while the property is being repaired or rebuilt, subject to policy limits and terms.
Loss of Rental Income
Medical Expenses
Medical Payments Coverage helps pay for reasonable medical expenses if a guest is injured on your property or as a result of your personal activities, regardless of fault. It is intended to address minor injuries quickly and may help prevent larger liability claims.
Risk Management
Screen tenants carefully
Well‑qualified tenants reduce the risk of property damage and unpaid rent
Improper use of the dwelling.
Consistent screening practices and clear lease agreements help set expectations and reduce losses.Require tenant to carry renter’s insurance
Requiring tenants to carry renters insurance helps protect, the tenant’s personal property, the landlord from liability related to tenant negligence, and claims caused by accidents inside the unit. This reduces disputes and helps keep claims from impacting the landlord’s policy.
Maintain your property proactively
Routine maintenance can prevent many common losses and liability claims. Inspect roofs, plumbing, heating, and electrical systems; address water leaks immediately; maintain stairs, railings, sidewalks, and entryways; ensure smoke and carbon monoxide detectors are installed and working properly.