Average homeowners insurance cost in Clarksville, Tennessee

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The average cost of homeowners insurance in Clarksville is $2,712 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $130 more than the national average of $2,582 .

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Clarksville depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

Tennessee Farmers is the cheapest homeowners insurance company in Clarksville with an average annual premium of $1,892 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Clarksville. Keep reading to learn about the monthly cost of homeowners insurance in Clarksville, the cost for different dwelling coverage levels, and which companies provide the most affordable home insurance in Clarksville.

Key Takeaways

The cost of your homeowners insurance policy in Clarksville can vary based on factors such as your location, the value of your home, and the coverage options you select.
Tennessee Farmers is the cheapest homeowners insurance company in Clarksville with an average annual premium of $1,892 .
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $511 more annually for home insurance.

Average homeowners insurance cost in Clarksville per month

Clarksville homeowners pay an average of $226 a month. It’s $28 less than the state average of $254 and $11 more than the national average for home insurance across the nation. The price of your homeowners insurance policy in Clarksville may vary depending on where you live, the value of your home, and the coverage you choose.

Average homeowners insurance cost for a $200,000 house

In Clarksville, homeowners pay an average of $2,201 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. Keep in mind that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, you should purchase flood insurance.

Average homeowners insurance cost for a $300,000 house

As per rate analysis by Insure.com, homeowners residing in Clarksville typically pay an average of $2,712 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $511 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Clarksville by company

Among the carriers we analyzed, Tennessee Farmers is the most affordable homeowners insurance company in Clarksville. Its average annual rate for homeowners in Clarksville is $1,892 , while Progressive ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Clarksville and compiled a list of the most affordable home insurance companies.

Below are details of Clarksville home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
Tennessee Farmers	$1,892
Progressive	$2,086
Auto-Owners	$2,202
State Farm	$2,293
Erie Insurance	$3,071
Farmers	$3,218
Travelers	$6,711
Allstate	$2,103
USAA*	$2,018

*USAA is only available to military community members and their families.

Combining your home insurance with other policies, like auto insurance, can result in significant savings. Insurers often provide discounts to policyholders who bundle their policies, helping you reduce premiums. Bundling lowers your premiums and simplifies managing your insurance with one company.

Natural disasters in Tennessee that can impact your home insurance

Living in Tennessee comes with the possibility of natural disasters that can cause serious damage to your home and belongings. From costly repairs to large insurance claims, the financial impact can be significant. That’s why it’s important to know which types of disasters are most common in your area before selecting a home insurance policy.

Understanding your local risks allows you to customize your coverage – whether that means adjusting your policy limits, choosing a higher deductible, or adding protection for hazards like floods or earthquakes. Planning ahead helps ensure you’re fully covered when it matters most.

Tennessee is commonly affected by Heat wave, Landslide, Lightning, Riverine flooding, Strong wind and Tornado.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

Pro tip: Review your policy annually

There’s little time to prepare for a natural disaster, and it’s too late to make changes once a storm is on the radar. Make sure your homeowners insurance includes coverage for the types of disasters common in your area. Standard policies don’t always cover everything, like flood damage, so double-check exclusions and consider add-ons if you need them.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Clarksville for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.