Local insurance Savings in West Tennessee
Protecting Tennessee Families since 2001
Auto, Home, Renters, & More
Your Local Allstate Agent
Josh Roman - Agency Owner
#RIdewithRoman
Our Partners
With over a 25 years of experience in the insurance industry, our team at Roman Insurance, a local Allstate Agency, is dedicated to offering personalized insurance solutions that cater to both personal and commercial needs. Our principles are founded on integrity, reliability, and a steadfast commitment to protecting your most valuable assets.
Based in Arlington, TN and serving families across the Western Tennessee, we excel in creating insurance plans tailored to your unique requirements and budget. Our comprehensive suite of insurance products includes protection for your business and employees with robust workers' compensation and business insurance, as well as safeguarding your personal assets with homeowners, auto, and life insurance. Our mission is to be your reliable partner through life's significant milestones, whether it's securing a new home, starting a business, or any other pivotal event.
Reviews & Testimonials
local Insurance coverage
Auto
Comprehensive coverage that protects you, your passengers, your vehicle, and peace of mind on the road.
Homeowners
Protect your home and everything inside it with homeowners insurance designed for peace of mind.
Motorcycle/ATV
Ride with confidence knowing your adventures are protected with motorcycle insurance tailored to you.
Boat
Navigate with peace of mind knowing your journeys are safeguarded with trusted, personalized boat insurance.
REnters
It protects your belongings and covers liability in case of theft, damage, or certain accidents.
Insurance FAQs
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Insurance premiums are influenced by several factors, including your age, location, credit score, driving record (for auto insurance), the value of the insured property, and your chosen coverage limits. Additional considerations include the type of coverage and deductible levels. Understanding these factors can help you make informed decisions about your insurance needs and potentially lower your premiums by maintaining a good credit score or selecting higher deductibles.
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Determining adequate coverage depends on your unique needs and the type of insurance. For home insurance, ensure your policy covers the cost to rebuild your home and replace your belongings in case of loss. For auto insurance, consider coverage that protects against vehicle damage, liability, and other potential risks based on your driving habits and location. Consult with an insurance agent to assess your assets, liabilities, and future goals, ensuring your policy provides the protection you need.
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Filing a claim can sometimes lead to an increase in your premium, particularly if it involves significant losses or fault. The impact on your premium depends on factors such as the type of claim and your policy. However, not all claims result in rate increases; minor or first-time claims may have little or no effect on your premium. It’s important to weigh the potential long-term costs before deciding to file a claim.
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After an accident or incident causing damage, prioritize safety and seek medical attention if necessary. Document the event by taking photos and gathering details from those involved (such as for car accidents). Notify your insurance company promptly to initiate the claims process. Keep records of all related conversations, repair or medical expenses, and relevant documents as evidence to support your claim. Following these steps helps ensure your claim is handled efficiently.
