Insurance is expensive and frustrating. With as much as you spend, I believe you deserve an agent that has your best interests in mind.

Home Owners Insurance

Your home is probably the biggest investment you’ll ever make. Doesn't it make sense to protect it with coverage tailored to fit your specific needs? Homeowners insurance will not just ensure that your investment is protected in the event of disaster, such as fire or weather damage, but it will also protect you, the homeowner, from liability should someone be injured on your property or if you or members of your household—including pets— should cause damage to others. In addition to protecting your home, homeowners insurance also protects the possessions within. Properly structured home insurance is the key to making sure life goes on after a catastrophic event.

Auto Insurance

Not only is auto insurance just good sense for anyone who owns a vehicle, it’s also required by law. Most people drive every day; should an accident occur, proper insurance coverage protects you from financial ruin. Auto insurance will not just cover the damages to the vehicle, but also any potential injuries that result from the accident. The average auto policy covers $100,000 in liability; however, the average settlement is between $200,000-$400,000. Talk to an agent to ensure that you’ve got the right amount of protection for your vehicle— protect your vehicle as well as your financial future.

Renters Insurance

If you think that you don’t need renters insurance because you don’t have a lot of valuable property within your rental unit, think again. In addition to protecting your personal property, renters insurance will also protect you from liability should you inflict damage to your landlord’s property. If, for instance, you left a candle burning in your rental property and it started a fire, your landlord’s policy will cover the damage, but they can hold you liable for the damages as well. Renters insurance will protect you from potentially devastating liability.

Medicare Supplements

You've worked hard for a long time. Now, you want to relax and spend time with your loved ones. Don't let the confusing world of Medicare cause you stress. Let us help you find the right supplements so that you can enjoy the things you want to enjoy.

Boat Insurance

Boats are big investments. Keep your boat safe from stem to stern with boat insurance. While it’s possible to append coverage to your homeowners policy, you won’t get the comprehensive coverage that standalone boat insurance will offer. Additionally, should an accident occur and your boat is covered under your homeowners insurance, you could incur a loss on your homeowners insurance claim record, which could negatively impact you in the long run. Instead, acquire the separate coverage to better protect your boat and mitigate the risk.

Motorcycle Insurance

If you’ve spent a lot of time and money customizing your motorcycle, you need to be sure that your motorcycle insurance will compensate you for these costs should a loss occur. The typical plan will only reimburse you for “market value” for your motorcycle. However, if you work with a knowledgeable and experienced agent, you can get the policy you need to cover all the special equipment you’ve used to enhance your experience. Since you are the more important than any part of your bike, make sure your plan also covers medical expenses for you as well.

Flood Insurance

Unfortunately, homeowners insurance doesn’t cover flooding. However you can purchase additional insurance to protect your investment from this peril. Flood zones are constantly being updated and about 25% of flood damage occurs in areas that aren’t considered high risk flood zones; if you’re concerned about potential flooding, it’s just good sense to purchase flood insurance to cover the gaps in your homeowners insurance. Talk to Compass Insurance Group today to determine if your home might be a good candidate for flood insurance. We’re here to help.

RV Insurance

RV coverage is very unique. Your RV serves a dual purpose - it’s a vehicle and a home. Say, for instance, you’re on a trip and your RV breaks down. You’ll need to have it towed to the repair shop and you’ll need to find a hotel to stay in until your RV is back on the road again. These circumstances would be covered by a carefully structured RV insurance policy, which would need to be crafted by an agent with a lot of experience and knowledge. Don’t let a poorly structured insurance policy ruin your fun!

Vacant Land Insurance

You might wonder why you need coverage for a piece of property without a structure— after all, what’s there to damage? However, in the state of Tennessee, if you’re the owner of a piece of property and someone is harmed on that property, you could be held liable. For instance, if two hunters were crossing your property, and one hunter accidentally shot the other, you could be legally responsible for the damages inflicted. Vacant land insurance would protect your assets if you were sued.

Mobile Home Insurance

For many companies, mobile homes offer an insurance challenge. Why? Well, the techniques used in constructing mobile homes are constantly evolving. That means that it’s sometimes difficult to find the right parts to repair a damaged mobile home. Even relatively recently constructed mobile homes might have pieces that are challenging to track down due to the updates in construction techniques. However, Compass Insurance Group engages with a variety of markets for mobile homes, ensuring that we can find the coverage you need regardless of your situation.

Uber or Lyft Insurance

If you’re working for a ride share company like Uber or Lyft, you’re vulnerable to liability whenever you are conveying passengers in your car. If you’re driving without passengers, your auto insurance will protect you if you should be involved in an accident; however, if you’re carrying paying customers, it gets a little more confusing. Adding a special endorsement to your auto policy will ensure that you and your customers will be protected should catastrophe strike.

"We can't say enough about Compass Insurance Group office here in Murfreesboro. Unlike most agencies, they return your call or email immediately. They are upfront about what they can or cannot do for us. For that alone, we have used them even when a competitor quoted a lesser rate. I highly recommend calling CIG for your personal or business policies. We are grateful that we did." - Shawn Hackinson

Personal Insurance

Your personal assets are vital to your family’s stability. Compass Insurance Group will make sure that your assets are covered should a catastrophe occur. Every family has turning points— events that can either break you or make you stronger. Let's talk. We’d love to help you make sure you're in a position that will ensure that you won’t be financially devastated in the event of a loss.

Personal Insurance Basics

The last thing most people want to spend their hard-earned money on is personal insurance. Personal insurance encompasses the following policies:

Homeowners Insurance
Flood Insurance
Auto Insurance
Boat Insurance
Renters Insurance
Motorcycle Insurance
Mobile Home Insurance
RV Insurance
Vacant Land Insurance
Uber Insurance
Antique Auto Insurance

Logically, you know that these policies are necessary. But who wants to drop a chunk of their paycheck on insurance? After all, who wouldn’t rather put that cash toward a nice dinner or a fun concert instead of something like auto insurance, which you’re forced to buy if you want to drive in the state of Tennessee— or any other state for that matter?

However, you can’t deny the value of auto insurance should you or member of your family be involved in an accident. Sure, you hope you never have to use it, which is part of what makes it so tough to part with the money each month, but it’s more sensible to put your money toward protecting your assets from harm than taking the incredible risk of going without coverage.

Can You Afford NOT to Get Personal Insurance?

At Compass Insurance Group, we understand that personal insurance is expensive. In Tennessee in particular, the cost of personal insurance such as home and auto has significantly increased over the last few years. Rates have risen, so it’s important to work with a company like Compass Insurance Group to ensure that you’re getting the most bang for your buck without compromising on coverage.

In an effort to spend as little as possible, the average driver has an auto policy that covers $100,000 in liability in the event of an accident. However, across the country, the average liability lawsuit from an accident runs between $200,000 to $400,000. In other words, you’ll be short by at least $100,000 should an accident occur. When your wages are garnished to pay for the balance, you’ll be wondering why your insurance agent didn’t fully explain why your coverage could be insufficient.

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