Clarksville Insurance Rates:

Clarksville, TN home insurance is about $685 to $928, about $57-$77/month. Our exhaustive analysis indicates shoppers can save upto $322 by getting many quotes

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Clarksville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $180/4 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 2090 sqft Rental Property Constructed In 1977 with Wood Flooring, Tile Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $270/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Baths 1600 sqft Rental Property Constructed In 2005 with Stone Flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fireplace, Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Married Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $860/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Bath 2080 sqft Rental Property Constructed In 2007 with Ceramic Tile Flooring, Metal Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Single Female who has a Full Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $600/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 1840 sqft Primary Residence Constructed In 2010 with Hardwood Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Fireplace, Copper Water Pipes, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Married Female who has a Full Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $830/9 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1528 sqft Primary Residence Constructed In 1977 with Carpet over wood flooring, Membrane Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Divorced Female who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Clarksville, TN Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
37043 $169,400 $840
37040 $139,800 $820
37042 $119,700 $810

Clarksville Rates & Quotes Analysis:

Clarksville Area Estimated House Insurance
Beaumont St, Greenboro Ct, Sunshine Dr, Greenleaf Ln, Greenwood Ave, Raintree Cv, Tobacco Rd, Cloverwood Dr, Todd Phillips Trl, Elder St$801
Kristie Michelle Ln, Rosehill Dr, Memorial Dr Exn, State Rte 237, N Meadow Dr, E Glenridge Ln, Rowe Ln, Hand Dr, Bonnie Ct, Brad Ct$827
Fair Brook Pl, Bellamy Ln, Briar Hill Dr, Stag Ln, Shady Hill Ct, Maple St, Cross Ridge Dr, Bo Ct, Kimsey Dr, Current St$828
Meadowgreen Dr, Peabody Dr, Winsome Ln, Raleigh Ct, Rhonda Ct, E Happy Hollow Dr, N Hinton Rd, E Leonard Rd, Franklin St, Glastonbury Ct$824
Robin Hood Dr, Norman Dr, Baker St, Hillcrest Dr, Garrettsburg Rd, Audrea Ln, Samuel Dr, S Spring St, Port Royal Rd, Spring Terrace Ln$796
Spring Inn Rd, US Hwy 41 Alt S, McGregor Dr, Spring Creek Ct, Granite Trl, Lahna Ct, Northwood Ter, Red Fox Trl, Tennyson Dr, Edgehill Dr$786
Williamsburg Rd, Manorstone Ln, Church Dr Way, Potomac Dr, Wiley Brown Rd, Barge Point Rd, Arms Dr, Greenwood Ct, Adkins St, Sampson St$795
Cindy Ct, D St, Inver Ln, Wicke Rd, Cedar Ct, Danko Ln, Emerald Ct, Via Dr, Stroud Rd, Public Sq$776
Monarch Ln, Kimbrough Ct, Gray Hawk Trl, Millington Dr, Congressman Dr, Aster Dr, Preston Bagwell Rd, Walnut St, Monica Dr, Lookout Dr$790
Oak Park Ct, Brady Dr, Roxbury Ln, Arbor Ct, Foxfire Rd, Mountain View Dr, Summerfield Dr, Hwy 48, Cane Brake Rd, Sumac Ct$856

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,543 Homes (13% of total) built between 1980 to 1989 in Clarksville are paying home insurance between $1,204-$1,216 compared to Pleasant View (+$34), Coopertown (+$41), Cheatham County (+$14), Oak Grove(KY) (-$85) and Fort Campbell North(KY) (-$163).
  • Bedrooms: 13,047 2 bedrooms homes (23% of total homes ) in Clarksville are paying about $590 and varies from Oak Grove(KY) (+$25), Trenton(KY) (+$31), Oak Grove-Pembroke(KY) (+$34), Montgomery County (-$7) and Adams (-$11).
  • Auto Insurance Bundling: 8,210 Households (29% of all households) in Clarksville have 3 or more vehicles available and when it is bundled with home insurance you can save $201. Discounts for similar bundling in close by locations such as Montgomery County, Oak Grove (KY), Trenton (KY)come to $202, $187, $187 respectively.
  • Senior Discounts: 9,128 seniors (more than 55 years) occupied housing units (32% of total) in Clarksville get discounts between $120 to $123. The comparative concessions in proximate regions such as Montgomery County, Oak Grove(KY) and Fort Campbell North(KY) are $121, $112 and $104 respectively.
  • New Homes discounts: New homes such as the 32,049 homes built between 2000 to 2009 in Clarksville can save $161 and similar new home insurance discounts in nearby towns and cities like Montgomery County, Oak Grove(KY) and Fort Campbell North(KY) are $161, $150 and $139 respectively.

Clarksville Homeowners insurance Facts

  • Clarksville, TN has 27,836 owner occupied houses which is 57.0% of all units whereas Montgomery County, Oak Grove and Fort Campbell North have 63.08%, 43.24% and 0.73% respectively.
  • Clarksville, TN homeowners yearly insurance price at $807 is 0.61% of the typical house value of $132,900 which is in contrast with 0.58% in Montgomery County, 0.8% at Oak Grove & 0.85% in Trenton.
  • Homeowners in Clarksville, TN pay 3.59% of their income ($20,000 to $24,999) in insurance whereas homeowners in Montgomery County, Oak Grove and Fort Campbell North pay 3.6%, 3.33% and 3.1% respectively.
  • Clarksville, TN’s insurance is 5.8% of monthly housing costs of $1,166/month, for owners with a mortgage compared to 5.62% in Montgomery County, 6.54% at Oak Grove & 8.04% in Trenton. But, for households without a mortgage, insurance is 18.2% of costs ($370 in Clarksville, TN) in contrast with 17.98% in Montgomery County, 19.0% at Oak Grove & 13.7% in Trenton.

Clarksville, TN Home Values & Insurance rates

For example, insurance for 2,129 Homes (7.0% of total homes ) valued between $200,000 to $249,999 in Clarksville, TN is about $1,363. Rates in nearby areas in such as Montgomery County, LaFayette, Pleasant View are cheaper by $53, $71, $318 respectively while Trenton and Oak Grove-Pembroke are costlier by $544 and $424 respectively for similar homes.

Clarksville, TN Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,506 5.0% $145
$50,000 to $59,999 559 2.0% $314
$60,000 to $69,999 715 2.0% $387
$70,000 to $79,999 898 3.0% $451
$80,000 to $89,999 1,442 5.0% $508
$90,000 to $99,999 1,769 6.0% $572
$100,000 to $124,999 5,453 19.0% $661
$125,000 to $149,999 4,987 18.0% $831
$150,000 to $174,999 4,061 14.0% $984
$175,000 to $199,999 2,119 7.0% $1137
$200,000 to $249,999 2,129 7.0% $1363
$250,000 to $299,999 1,236 4.0% $1670
$300,000 to $399,999 509 1.0% $2122

Renters Insurance in Clarksville

  • Average Renters Insurance in Clarksville :  $219($18/month)

  • Median Gross Rent in Clarksville :  $808

  • Clarksville Renters Insurance to Median Rent Ratio:  2.23%

  • Average household size of renter-occupied unit :  2.56

Clarksville Renters Insurance as a Percentage of Rent

Clarksville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 272 1.0% $354
$200 to $299 281 1.0% $804
$300 to $499 1,026 5.0% $1254
$500 to $749 6,662 33.0% $1929
$750 to $999 6,735 33.0% $2679
$1,000 to $1,499 4,207 20.0% $3804
$1,500 or more 969 4.0% $5454

Rent Affordability in Clarksville:

Approximately 41.0% (8,689) of households are spending more than 35% of their income on gross rent in Clarksville

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,116 10.0%
15.0 to 19.9 percent 3,009 14.0%
20.0 to 24.9 percent 2,758 13.0%
25.0 to 29.9 percent 2,299 10.0%
30.0 to 34.9 percent 2,098 10.0%
35.0 percent or more 8,689 41.0%

Protective device discount in Clarksville Up to :  $32

Claims-free discount in Clarksville Up to :  $43