Andrew Markuson
Insurance
“I’ve got you covered.”
Auto, home, commercial and flood insurance for families and businesses across Tennessee and Florida. I shop multiple carriers, so I answer to you, not to one company.
With 16+ years in the industry, I have the experience to protect what matters most. As an independent agent I shop multiple carriers on every renewal.
Every line, priced against the risks that actually drive claims in each state.
Auto
Cars, trucks, motorcycles, ATVs, boats and RVs, with the state-specific rules that change what you need.
See coverageHome & Property
Homeowners, renters, condo and landlord policies, priced against roof age, rebuild cost and wind mitigation.
See coverageCommercial
General liability, property and BOP packages for trades, shops and offices.
See coverageFlood
A separate policy for the rising water no homeowners policy covers, in Tennessee and Florida alike.
See coverageUmbrella
Extra liability above your auto and home limits. The cheapest million dollars of protection you can buy.
See coverageHail and Wind
Tennessee sits in an active severe weather corridor. Hail and straight-line wind are the most common causes of home and auto claims.
Storms and Litigation
Repeated hurricanes and years of claim litigation pushed carriers to tighten rules and, in some cases, leave the state.
Nashville Flooding
A large share of the homes that flooded in May 2010 were outside the FEMA high-risk zones. Development keeps changing how water moves.
Roof Age, Both States
An older roof can mean actual cash value settlement instead of full replacement, or in Florida a required inspection before a policy is written.
Tennessee wind and hail deductible
Some Tennessee carriers now apply a separate wind and hail deductible, often a percentage of the dwelling limit rather than a flat amount.
Florida hurricane deductible
A percentage of the dwelling limit, commonly two, five or ten percent, applied only during a declared hurricane and separate from your other deductible.
Tennessee uninsured motorists
By recent estimates roughly one in five Tennessee drivers is uninsured. UM and UIM coverage is worth carrying and is inexpensive.
Florida wind mitigation
How the roof is attached, the roof shape and whether openings are protected. Passing features earn real premium credits.
Flood is always separate
No homeowners policy covers rising water. Both states have the flood history to prove it matters, even outside high-risk maps.
Tennessee: earthquake and sinkholes
West Tennessee sits near the New Madrid Seismic Zone, and Middle Tennessee has karst limestone geology. Both risks are excluded from a standard policy.
Florida: condo owners need an HO-6
The association's master policy stops at the walls. Your unit's interior, improvements and personal property need their own coverage.
Send me the address
The state, the year built, the roof age, and your current declarations page. I look up the rest.
Flooding in Nashville
The 2010 flood, why so much of the damage was outside the high risk maps, and where the coverage line falls.
Read moreHow Long a Roof Lasts
Closer to 18 to 22 years for shingles in this climate, and how roof age quietly changes what your policy pays.
Read moreWind Mitigation
The inspection that documents how your Florida home resists wind, and the credits it puts back on the premium.
Read moreThe 4-Point Inspection
What carriers check on an older Florida home: roof, electrical, plumbing and HVAC.
Read moreServing clients across Tennessee and Florida, with quotes handled by phone, email or the forms on this site.
Ready for a Quote?
Send the address and your current policy and I will shop it across my carriers.