Compass Financial Strategies, LLC
303 Cotton Row, Ste 103, Cleveland, MS 38732
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303 Cotton Row, Ste 103, Cleveland, MS 38732
View this agency's profile to learn more about their services.
3513 Highway 8, Cleveland, MS 38732
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Cleveland residents.
Complete insurance guide for Cleveland, Tennessee. Learn about auto and home coverage requirements, tornado risks, flood insurance, and local Bradley County agents.
Home InsuranceCleveland homeowners pay $1,200-$1,352/year for insurance. Learn how older homes, Lake Erie weather, and your ZIP code affect rates—plus ways to save.
Home InsuranceCleveland home insurance averages $1,000-$1,500/year. Learn about lake-effect snow coverage, flood risks, and protecting older homes.
Home InsuranceCleveland, TN homeowners face tornado and flood risks. Learn what your policy covers, why flood insurance matters, and how to protect your home.
Car InsuranceCleveland auto insurance averages $2,077/year. Learn about Ohio's 25/50/25 minimums, why UM coverage matters, and how lake-effect weather impacts rates.
Car InsuranceCleveland drivers pay $1,200-$2,077 yearly for car insurance. Learn how weather affects rates, bundling saves 25%, and why comprehensive coverage matters.
Tennessee requires liability coverage of 25/50/25, which means $25,000 per person for bodily injury, $50,000 total per accident for bodily injury, and $25,000 for property damage. However, these minimums often aren't enough to cover costs in a serious accident, so many Cleveland residents opt for higher limits like 100/300/100 for better protection.
Yes, standard homeowners insurance typically covers tornado damage, including damage from wind, hail, and debris. However, it does not cover flood damage that often accompanies severe storms. If you live in a flood-prone area of Bradley County, you'll need a separate flood insurance policy through the National Flood Insurance Program or a private insurer.
Tennessee homeowners pay an average of $3,045 per year, about 17% above the national average. The higher costs reflect the state's weather risks, particularly tornadoes, severe storms, and flooding. Cleveland sits in Dixie Alley, an area that experiences frequent and sometimes deadly tornadoes, which drives up insurance costs across the region.
Students living in dorms are usually covered under their parents' homeowners policy for personal belongings, though coverage limits apply. Students living off-campus in apartments should get renters insurance, which typically costs only $15-20 per month and covers belongings plus liability protection if someone is injured in the apartment.
Flood insurance costs vary based on your home's flood risk zone, elevation, and construction details. Policies through the National Flood Insurance Program typically range from $400 to $2,000 per year. Keep in mind there's usually a 30-day waiting period before coverage begins, so don't wait until a storm is forecast to purchase protection.
Bundling home and auto insurance with the same carrier typically saves you 15-25% on your total premiums. However, always compare the bundled rate against separate policies from different companies—sometimes buying from different insurers still costs less. A local Cleveland agent can help you compare options and find the best value for your specific situation.
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