Products & Coverages

• Homeowners Insurance – Provides comprehensive coverage for your primary residence including protection for the dwelling itself, other structures on the property, personal belongings, additional living expenses if the home is uninhabitable, liability protection against lawsuits, and medical payments coverage for injuries occurring on the property.
• Renters Insurance - Covers personal property within a rented residence, additional living expenses if the rental becomes uninhabitable, liability protection, and medical payments for injuries occurring in the rented space.
• Condo Insurance - Offers property coverage for condominium units including the interior of the unit, loss of use coverage if the unit is uninhabitable, liability protection, and medical payments coverage.
• Landlord / Dwelling Fire Insurance - Designed for property owners renting out residential properties. It covers the dwelling and other structures, loss of rental income due to tenant displacement, liability protection, and medical payments coverage.
• Flood Insurance - Provides flood protection through Wright Flood policies backed by FEMA, insured under the National Flood Insurance Program (NFIP). This coverage protects against flood damage to the insured property.
  

Optional Endorsements

Available for additional premium, subject to underwriting qualifications and may vary by state.

• Equipment Breakdown: Protects insureds from costly equipment failures including coverage up to $100,000 for losses and $10,000 for spoilage of goods due to equipment breakdown (in partnership with Travelers BoilerRe).
• Inland Flood: Designed for residents in low to moderate flood risk areas, providing coverage up to $50,000 with a $500 deductible (in partnership with MunichRe).
• Replacement Cost on Personal Property: Modifies loss settlement to replacement cost basis, allowing full reimbursement to replace items instead of depreciated value.
• Refrigerated Personal Property: Covers up to $500 for loss of food stored in refrigerators or freezers due to power outage or mechanical failure, with a $100 deductible.
• Increased Limit on Jewelry & Watches: Increases theft coverage limits on gems, watches, jewelry, and furs up to $5,000, subject to deductible.
• Pet Coverage: Provides up to $500 for kenneling, veterinary charges, and burial expenses if pets are injured or killed due to covered perils, with no deductible.
• Service Line Coverage: Covers underground piping and wiring failures with a $10,000 limit, including excavation costs, loss of use, and damage to outdoor property such as trees and walkways. Coverage applies after a $500 loss threshold.
• Mortgage Extra Expense: Reimburses increased mortgage expenses up to $250 per month (maximum $10,000) due to total loss of residence and up to $2,000 for acquisition costs related to rebuilding at the same location, with no deductible.
  

Discounts

• Accredited Builder Discount
  
• Early shopping Discount
  
• Military Discount
  
• Age of Home Discount

• Bundle Discounts
  
• Claim-Free Renewal Discount
• New Purchase Discount
  
• Security Features Discount

"Yan shopped my primary home in Texas and saved me about $480/year, then helped me bundle my auto for an extra discount. He also set up landlord policies for my two rental units in Florida and cut about $200/year there. (I didn't even know that I needed landlords insurance!) Clear options, quick communication, and everything handled fast. Highly recommend Yan @TruvaLink Insurance"

-Kevin C.

"I’ve known Yan Hernandez for several years, and he has absolutely earned my trust. As a property manager, it is essential for me to have reliable partners I can count on, not just for myself but for my clients. Yan has become my go-to insurance professional because he consistently delivers outstanding service."

-Ashley M.

"TruvaLink Insurance Agency made switching my policies easy and stress-free. Yan reviewed my coverage needs across home, auto, and an umbrella policy, explained my options in plain language, and found better coverage at a lower price. Yan handled the details, kept me updated the whole time, and coordinated everything quickly."

-David A.

Yan shopped my primary home in Texas and saved me about $480/year, then helped me bundle my auto for an extra discount. He also set up landlord policies for my two rental units in Florida and cut about $200/year there. (I didn't even know that I needed landlords insurance!) Clear options, quick communication, and everything handled fast. Highly recommend Yan @TruvaLink Insurance

I’ve known Yan Hernandez for several years, and he has absolutely earned my trust. As a property manager, it is essential for me to have reliable partners I can count on, not just for myself but for my clients. Yan has become my go-to insurance professional because he consistently delivers outstanding service.

TruvaLink Insurance Agency made switching my policies easy and stress-free. Yan reviewed my coverage needs across home, auto, and an umbrella policy, explained my options in plain language, and found better coverage at a lower price. Yan handled the details, kept me updated the whole time, and coordinated everything quickly.

-David A.