Home insurance • Clarksville, Tennessee • 2026
Home Insurance in Clarksville, TN: Coverage for Military Families, Tornadoes, and Newer Homes
Clarksville is next to Fort Campbell, so many homeowners move on orders, and an EF3 tornado tore through the city in December 2023. PCS rentals, tornadoes, and newer homes shape what Clarksville homeowners need.
This guide covers what drives home insurance prices in Clarksville, the Tennessee coverage issues that apply, and how to compare quotes from several insurers on the same terms.
Blake Insurance Group is an independent agency based in Tucson that serves Clarksville homeowners by phone and online. We do not have an office in Clarksville, and we compare options from the insurers we are appointed with for your exact address.
Get Clarksville home insurance quotes
Tell us your Clarksville address, your home's age, square footage, and roof, and the coverage you want, and a licensed agent will follow up with options available to us. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00 Arizona time, or email info@blakeinsurancegroup.com.
Prefer to quote online yourself?
Start a home insurance quote online, without waiting for a call back.
Start an online quote with BOLT →Auto, home, and renters quotes through our secure BOLT online portal.
Sponsored. Each link opens the partner’s website in a new tab, where its terms and privacy policy apply. Blake Insurance Group may be compensated if you buy.
Owning a home in Clarksville: what shapes your rate
The base and the weather shape Clarksville coverage.
Military families
Service members who PCS often rent out their homes. A landlord policy replaces homeowners coverage while tenants live there.
Tornadoes
Tennessee sees deadly tornadoes, often at night and in winter as well as spring. Wind damage is covered, but your dwelling limit should reflect full rebuilding cost.
Hail and severe storms
Hail and thunderstorm winds damage roofs and siding. Ask whether your policy pays roof claims at replacement cost or actual cash value, and compare wind and hail deductibles.
Rebuilding costs
Construction costs have risen sharply in fast-growing Tennessee. Make sure your dwelling limit reflects full rebuilding cost, and consider extended replacement cost.
Coverage priorities for Clarksville homeowners
| Your situation | Coverage to review | Why it matters |
|---|---|---|
| Landlord or PCSing family | Landlord policy | Homeowners forms exclude most rentals. |
| Any homeowner | Dwelling at full rebuilding cost | Construction costs have risen. |
| Any homeowner | Compare wind and hail deductibles | Affects storm and hail claims. |
| Also insuring your cars | Home and auto bundle | Often the largest discount. |
Examples only, not recommendations. Coverage availability and terms vary by insurer.
Tennessee rules and market facts every Clarksville homeowner should know
- No state mandate, but your lender requires it. Tennessee does not require homeowners insurance by law, but nearly every mortgage lender does.
- Earthquake coverage is separate. Tennessee has two seismic zones, the New Madrid zone in the west and the East Tennessee zone. Standard home policies exclude earthquake damage. Earthquake coverage is sold separately, and its deductible is usually 10% to 20% of the coverage limit, so a $200,000 limit with a 10% deductible means you pay the first $20,000.
- Tornadoes and severe storms. Tornadoes like the March 2020 Nashville storm and the December 2023 Clarksville and Hendersonville tornadoes are covered as wind damage. Make sure your dwelling limit covers full rebuilding cost and compare wind and hail deductibles.
- Flash flooding is common. The 2010 Nashville flood, the 2021 Middle Tennessee floods, and Hurricane Helene's 2024 flooding in East Tennessee all hit homes outside high-risk flood zones, so flood coverage is worth pricing even if your lender does not require it.
- Flood is excluded. River and flash flooding are not covered by home policies. See flood insurance.
How to compare Clarksville quotes apples to apples
A cheaper quote is only cheaper if the coverage matches. Line up each quote using the same limits and deductibles.
| Coverage | What to match |
|---|---|
| Dwelling (Coverage A) | Same rebuild amount, based on replacement cost, not market value |
| Other structures and personal property | Same limits, and replacement cost (not actual cash value) for belongings |
| Loss of use | Same limit for living expenses if you cannot stay in the home |
| Personal liability and medical payments | Same limits, such as $300,000 liability |
| Deductibles | Same all-peril deductible and the same wind and hail deductible, plus matching earthquake coverage if you add it |
| Roof settlement | Replacement cost or actual cash value for the roof, and any roof age schedule |
| Endorsements | Water backup, extended replacement cost, ordinance or law, and scheduled jewelry |
Clarksville areas and ZIP codes we quote
We quote throughout Clarksville, including Downtown, neighborhoods near Fort Campbell and Austin Peay, Sango, St. Bethlehem, and areas along Wilma Rudolph Boulevard.
- 37040
- 37042
- 37043
Insurers price by the exact address, the roof's age and material, the home's age and updates, and the cost to rebuild, so have those details ready for an accurate quote.
Discounts worth asking about in Clarksville
- Home and auto bundle, compared on the total of both policies.
- Impact-resistant roof credits where offered.
- Protective devices, such as monitored alarms and water leak sensors.
- The basics. Home and auto bundle, claims-free, new or impact-resistant roof, monitored alarm, smart water shutoff, new home, paid-in-full, and paperless discounts, where the insurer offers them.
Discount names, amounts, and availability vary by insurer.
Non-renewed, an older roof, or prior claims? You still have options. Some insurers and specialty markets write harder-to-place homes. Call 888-387-3687 and we will shop it for you.
Clarksville home insurance FAQs
I am PCSing and renting out my home. Is my homeowners policy enough?
Usually not. Most homeowners policies exclude or limit coverage when the home is rented out. Switch to a landlord policy before your tenant moves in.
Are tornadoes covered?
Yes. Wind damage from tornadoes is covered on standard home policies, subject to your deductible. Make sure your dwelling limit covers full rebuilding cost.
Why does my roof matter so much?
Roofs take the brunt of hail and wind, and some insurers pay older roofs at actual cash value, which deducts depreciation. Ask how each quote settles roof claims.
Does Tennessee require homeowners insurance?
No state law requires it, but nearly every mortgage lender does. Most owners keep coverage even after the mortgage is paid off.
Is earthquake damage covered in Clarksville?
Not under a standard home policy. Earthquake coverage is added separately, usually with a deductible of 10% to 20% of the coverage limit.
Are tornadoes covered?
Yes. Wind damage from tornadoes is covered on standard home policies, subject to your deductible. Make sure your dwelling limit covers full rebuilding cost.
Nearby areas and related guides
Important information
Compensation. Links in the partner quote box near the top of this page are sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls. This page is general information, not legal advice.
Service area. Blake Insurance Group is based in Tucson and serves Clarksville clients by phone and online. We do not claim a physical office in Clarksville.
Your next step
Request a quote, and a licensed agent will compare options available to us for your Clarksville address.
