Your home is one of your biggest investments. We help families across West Tennessee protect their homes, belongings, and future with homeowners insurance they can trust.
For more than 25 years, Roman Insurance has helped homeowners throughout West Tennessee protect what matters most. We understand that every home is unique, which is why we take the time to learn about your property and recommend coverage tailored to your lifestyle.
Tailored policies that protect your home, belongings, and family's future.
We shop multiple carriers to find the best protection for your budget.
Real people in West Tennessee who know your neighborhood and risks.
A homeowner’s insurance policy helps protect your home and finances from many unexpected events. While every policy is different, coverage may include:
Protects the physical structure of your home if it's damaged by a covered event such as fire, hail, windstorms, or certain other perils.
Helps repair or replace personal belongings like furniture, electronics, clothing, and appliances if they're damaged or stolen.
Helps cover medical expenses if a visitor is injured on your property, regardless of who is at fault.
If your home becomes temporarily uninhabitable due to a covered loss, this coverage may help pay for temporary housing, meals, and other living expenses.
Every homeowner’s needs are different. Depending on your situation, you may want additional protection beyond a standard homeowners policy.
Optional coverages may include:
Our team can help you determine which options are right for your home and lifestyle.
Many homeowners qualify for valuable discounts that can help lower their insurance premiums.
Potential savings may include:
We’ll review all available discounts to help maximize your savings while maintaining the protection you need.
Homeowners insurance typically covers your home’s structure, personal belongings, liability protection, guest medical expenses, and additional living expenses if your home becomes temporarily uninhabitable due to a covered loss.
What is not typically covered by homeowners insurance?
Standard homeowners insurance generally doesn’t cover flood damage, earthquakes, normal wear and tear, pest infestations, or sewer backup unless additional coverage has been added to your policy.
Standard homeowners insurance generally does not cover flood damage, earthquake damage, normal wear and tear, pest or insect damage, maintenance-related issues, or sewer and water backup unless you purchase optional coverage.
Premiums are based on several factors, including your home’s location, age, construction materials, replacement cost, claims history, deductible, coverage limits, and available discounts.
Homeowners insurance is not required by Tennessee law. However, if you have a mortgage, your lender will typically require you to maintain homeowners insurance until the loan is paid off.
Yes. Bundling your homeowners and auto insurance often qualifies you for discounts while making it easier to manage your policies.
It’s recommended to review your policy at least once a year or whenever you make significant home improvements, purchase valuable items, or experience major life changes.