Homeowners
Covers your house, other structures, belongings and personal liability, with replacement-cost options so a claim rebuilds what you lost.
Home insurance for Tennessee homeowners and renters
From a first apartment to a family home or rental property, Luis compares home insurance carriers to match the right policy to your property.
What's covered
Coverage Luis can build for you
Renters
Protects your belongings and liability for a low monthly cost, and is often cheaper when bundled with auto.
Condo
Covers your unit interior, upgrades and belongings, filling the gaps your HOA master policy leaves.
Landlord and rental property
Dwelling coverage for homes you rent out, including liability and lost rental income after a covered loss.
Mobile and manufactured homes
Specialty policies for mobile and manufactured homes, including homes on rented land.
Flood, earthquake and umbrella
Standard home policies exclude flood and earthquake. Luis can add both, along with an umbrella for extra liability.
Why Rossi
Shopped across carriers, handled by one agent
Luis compares companies including Foremost, Homeowners of America and MSI so you see real options, not a single price.
More than one price
Instead of one company's quote, you see options from several carriers side by side.
Re-shopped when rates rise
If your renewal jumps, Luis can move you to another carrier and keep handling your account.
Help when you file a claim
Call Luis first. He helps you report it and follows up with the carrier. Se habla español.
Questions
Frequently asked questions
Does homeowners insurance cover tornado and wind damage in Tennessee?
Most homeowners policies cover wind and hail, including tornadoes, though some carry a separate wind or hail deductible. Luis will point out how each quote handles it.
Is flood covered by my home insurance?
No. Standard homeowners and renters policies exclude flood. Flood coverage is a separate policy, and you can buy it whether or not you live in a mapped flood zone.
Do I need earthquake coverage in Tennessee?
Standard policies exclude earthquake. West Tennessee sits near the New Madrid seismic zone, and East Tennessee also sees earthquake activity, so it is worth asking about an earthquake endorsement.
What is replacement cost versus actual cash value?
Replacement cost pays to rebuild or replace with new materials. Actual cash value subtracts depreciation, so the payout is lower. Luis will show you which a quote includes.
Can you insure an older home or a mobile home?
Yes. Some carriers specialize in older homes and in mobile and manufactured homes. Comparing several is how Luis finds coverage when one company says no.
Not sure what you need? Luis will walk you through it.