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Coverage Designed For Your Distinctive Lifestyle.
You have worked hard to build a distinctive lifestyle; your insurance should reflect that. Our high-value homeowner's policies are designed to include specialized coverage features and limits tailored for more complex needs. These homes have a replacement cost over $1,000,000. Our policy contains benefits such as Guaranteed Replacement Cost, coverage for lost or stolen jewelry, and the flexibility to choose whether to rebuild or receive a cash settlement if your home is a total loss. All the insurance companies we represent are financially solid and stable with an ethical approach to claims; we will help you recover after a covered loss.
This listing is not intended to be an all-encompassing record of capabilities, products, or services, but merely a guide for representational purposes only.
Features of Our High-Value Home Insurance.
FLEXIBLE REBUILDING OPTIONS
If a fire or other event destroys your home, our coverage gives you the option to rebuild or receive a cash settlement. It’s that simple; you decide.
JEWELRY INCLUDED IN YOUR HOMEOWNER POLICY
Our high-value Homeowners policy includes $50,000 of coverage for lost, misplaced or stolen jewelry. This helps to better protect your valuables that are not covered by a dedicated Collections policy and avoid out-of-pocket expenses at the time of a claim.
FLEXIBLE DEDUCTIBLE OPTIONS
We give you the flexibility to choose a deductible for your luxury home policy that best fits your lifestyle and we also recognize that large losses can be extremely disruptive. So, if your deductible is $25,000 or less and you experience a covered loss that is more than $50,000, we will waive your deductible.
GUARANTEED HOME REPLACEMENT COST
Our coverage provides peace of mind in knowing that your luxury home can be rebuilt to the same standard, even when the actual cost to do so exceeds your coverage limits
BROAD COVERAGE FOR SEWER AND DRAIN BACKUPS
If a sewer backs up and causes your drains (whether inside or outside of your home) or toilets to overflow, we will pay to clean it up and replace or rebuild damaged property, up to the limit on your policy.
COVERAGE TO HELP YOU PREVENT A SIMILAR LOSS
For covered losses greater than $10,000, we will contribute up to $2,500 to help you implement a solution that reduces the likelihood of a similar loss. Members use this benefit to invest in whole-house generators, leak detection systems, lightning suppression systems, and other loss prevention solutions.
Comprehensive Services For Our Personal Insurance Clients.
Risk Identification and Analysis
At Truska Insurance, our primary goal is the provide you with trustworthy, dependable, and reputable insurance services that align with your objectives.
Claims Management
Representing your interests at every step while serving as your liaison and advocate with carriers, we’re your determined client advocate.
Client Advocacy
From contract reviews to onsite training and claims advocates to guide you every step of the way, we’ll help develop a holistic plan that lets you manage and mitigate risk with confidence.
Ongoing Service Commitment
Through our annual coverage reviews and comprehensive re-marketing efforts, our best-in-class brokers and account managers provide best-in-class, cost-conscious solutions.