Staking His Claim

How Big-City Insurance Executive Howard Roth Established Deep Tennessee Roots

When Howard Roth moved to Middle Tennessee from the Philadelphia suburbs in 2009, his arrival was a bit of an outlier. The influx of residents from coastal metropolitan areas had yet to gain steam.

But Roth and his wife moved their young family here for business opportunities, not a new lifestyle. Erie Insurance, the company he had worked for since 2003, asked him to relocate to establish the company’s presence in the market. A similar situation transpired for his wife, who’s a healthcare IT director.

“Our parents had all moved to Florida, so we weren’t tied to the Northeast,” says Roth. “Our kids were nine and 11 and didn’t really care. So we did it!”

The Roth’s built a house in Spring Hill and have been there ever since.

“There’s no way we’d move back up north,” says Roth, a native New Yorker. “Part of that is due to the weather, but in Philly, I wore a suit and tie every day. I haven’t dressed that way since moving to Nashville.”

Roth says that in terms of size, and distance from the city center, Spring Hill resembles his suburban Philadelphia neighborhood. But an appreciation for nearby bucolic areas led him to purchase a Winchester lake-house two years ago.

“It’s very rural down there and takes 20 minutes to get anywhere,” says Roth. “But I am writing business. Everyone needs insurance and as Williamson and Maury Counties become full, Winchester will grow."

In 2015, Roth left his position as Senior District Sales Manager for Erie to open his own independent agency, Capitol Insurance Services. At Capitol, his experience in all aspects of insurance – claims, marketing and sales – gives him a leg up on the competition.

“Throughout my career, I’ve been responsible for knowing what my competitors were doing,” says Roth. “I’m able to understand policy language in a way that can greatly benefit my clients. Specifically, you don’t want to file a claim unless you know it’s going to be to your benefit. I can look at the loss, analyze and interpret the policy, and advise accordingly.”

It’s what you’d expect from your hometown insurance agent.

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