Average homeowners insurance cost in Clarksville, TN

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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

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Clarksville, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Clarksville.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners 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

Residents of Clarksville pay an average of $226 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $28 less than the state average of $254 and $11 more than the national average for home insurance across the United States.

The cost of your homeowners insurance policy in Clarksville may change based on location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in Clarksville

In Clarksville, TN, homeowners pay an average of $2,201 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

Average homeowners insurance cost for a $300,000 house in Clarksville

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 sufficient 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 analyzed, Tennessee Farmers is the cheapest homeowners insurance company in Clarksville. It’s average annual rate for Clarksville homeowners is $1,892. Progressive ranks second and Allstate makes it to the third spot with an average annual home insurance rate of $2,103.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Clarksville and prepared a list of the cheapest home insurance providers. You can find below the Clarksville home insurance companies and their average annual premium.

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

Methodology

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