Clarksville ,TN Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Clarksville, TN homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Clarksville, TN is $1573. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Clarksville, TN. VHome Insurance will help you navigate the world of homeowners insurance coverages in Clarksville, TN.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $629 |
| $200,000 | $1,070 |
| $300,000 | $1,321 |
| $400,000 | $2,013 |
| $500,000 | $2,533 |
Home insurance costs in Clarksville can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 037043 | $2,186 |
| 37040 | $2,108 |
| 37042 | $2,076 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Clarksville, TN, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,613 |
| $1000 Deductible | $1,442 |
| $1500 Deductible | $1,361 |
| $2500 Deductible | $1,227 |
| $5000 Deductible | $1,038 |
| Home Insurance Company Near Clarksville, TN | Homeowners Insurance Agency Near Clarksville, TN | Address |
|---|---|---|
| NA | Holman & Holman Insurance Agency | 611 S Main St, Springfield, TN, 37172 |
| State Farm | Kirk Gwaltney | 216 Centerview Drive, Brentwood, TN, 37027-3226 |
| Travelers | Mdm Covenant | 761 OLD HICKORY BLVD STE 207, BRENTWOOD, TN, 37027 |
| State Farm | Phil Watts | 4703 Gallatin Pike, Nashville, TN, 37216-1712 |
| Allstate | Terry Burns | 2601 Elm Hill Pike Ste G, Nashville, TN, 37214 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Montgomery County, Tennessee | $101 | $135 | $202 |
| Oak Grove city, Kentucky | $94 | $125 | $187 |
| Trenton CCD, Todd County, Kentucky | $94 | $125 | $187 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Clarksville, TN | 5.8% | 18.2% |
| Montgomery County | 5.62% | 17.98% |
| Oak Grove | 6.54% | 19.0% |
| Trenton | 8.04% | 13.7% |
| 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 |
| Streets in Clarksville Area | Homeowners Insurance Cost |
|---|---|
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Clarksville | $120 to $123 |
| Montgomery County | $121 |
| Oak Grove | $112 |
| Fort Campbell North | $104 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,100 | $2,100 |
| Yearly Clarksville Homeowner Insurance Premium Example | $1,500 | $1,000 |
| Out of Pocket Expense During Claim | $1,100 | $2,100 |
| Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim | $7,100 | $6,100 |
| Net Savings to Clarksville Home Owner from High Deductible Plan | $1,000 | |
| Scenario | Clarksville, TN Home Replacement Value MORE than Home Value | Clarksville, TN Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $204,000 | $119,000 |
| Insurance Premium based on Replacement Value | $1,025 | $600 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $44,000 | Risk Exposure from Under Insuring Coverage is $41,000 |
| Premium Impact | Insurance cheaper by $200/year | Insurance costlier by $225/year |
| Insurance Company | Amica Mutual Insurance Company | Erie Insurance | Allstate |
| Monthly Premium | 41 | 52 | 43 |
| Year Built | 1971 | 1998 | 2014 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $100000-$125000 | $150000-$175000 | $100000-$125000 |
| Deductible | $2500-$5000 Deductible | $500- $1000 Deductible | $500 Deductible |