Your landlord protects the building—but not your belongings. Renters insurance helps keep your personal items and finances protected if the unexpected happens.
For over 25 years, Roman Insurance has helped individuals and families throughout West Tennessee find reliable insurance coverage with personalized service and expert guidance.
Custom-fit coverage to safeguard your personal belongings and loved ones.
Affordable, quality protection backed by one of the nation's best.
Real people in West Tennessee who know your neighborhood and risks.
Renters insurance helps protect more than just your belongings. A standard policy can provide valuable financial protection in several situations.
Protect your personal belongings such as furniture, electronics, clothing, appliances, and other valuables if they're damaged or stolen due to covered events like fire, theft, or vandalism.
Provides financial protection if you're legally responsible for injuries to someone else or accidental damage to another person's property.
Helps pay medical expenses if a guest is injured while visiting your rental home or apartment, regardless of fault.
If your rental becomes temporarily uninhabitable because of a covered loss, renters insurance may help pay for temporary housing, meals, and other living expenses while repairs are completed.
Renters insurance is a budget-friendly way to protect your belongings and liability, no matter what type of home you rent. Our team specializes in finding policies that balance affordable premiums with the robust coverage you need for peace of mind.
Renters insurance is often one of the most affordable insurance policies available, yet it provides significant financial protection.
Whether you rent:
Our team can help you find coverage that fits your budget while protecting your belongings and providing valuable liability coverage.
You may qualify for discounts that help lower your insurance premium.
Potential savings include:
If you already have an auto insurance policy, bundling it with renters insurance may provide additional savings.
Renters insurance typically covers your personal belongings, personal liability, guest medical expenses, and additional living expenses if your rental home becomes temporarily uninhabitable due to a covered loss.
Standard renters insurance typically does not cover flood damage, earthquake damage, pest or insect damage, normal wear and tear, intentional damage, or maintenance-related issues. It may also have coverage limits for high-value items such as jewelry, collectibles, or electronics unless you purchase additional coverage. If you have valuable belongings or unique insurance needs, your insurance agent can help you review your options and recommend additional coverage for better protection.
Renters insurance is generally not required by Tennessee law. However, many landlords require tenants to carry renters insurance as part of their lease agreement.
Standard renters insurance typically doesn’t cover flood or earthquake damage, normal wear and tear, pest infestations, or intentional damage. Certain high-value items may also require additional coverage. We’ll help you review your policy to make sure you have the protection you need.
No. Your landlord’s insurance usually covers the building itself but does not protect your personal belongings. Renters insurance is designed to protect your possessions and provide liability coverage.
The amount of coverage depends on the value of your personal belongings and your liability needs. Our team can help you determine the right coverage limits for your situation.
Yes. Bundling your renters and auto insurance can often help you save money while making it easier to manage your policies.