For Clarksville residents: independent agents comparing homeowners quotes from 25+ carriers.
Typical homeowners costs in Clarksville
The typical homeowners insurance premium in Clarksville, TN is about $1,885 annually for a typical local home (typical local home value about $236,100). For a $300,000 dwelling, expect around $2,201 per year; for a $600,000 home about $3,097; and for a $1,000,000 dwelling about $4,030. Freedom Insurance Group rates are often about 39% lower — near $1,150 per year for a typical home, roughly $1,343 for a $300,000 home, about $1,889 for a $600,000 home, and around $2,458 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado, Hail & Severe-Storm Coverage) |
|---|---|
| $100,000 – $200,000 | $1,711 |
| $200,000 – $300,000 | $1,913 |
| $300,000 – $400,000 | $2,348 |
| $400,000 – $500,000 | $2,658 |
| $500,000 – $600,000 | $2,959 |
| $600,000 – $700,000 | $3,195 |
| $700,000 – $800,000 | $3,390 |
| $800,000 – $900,000 | $3,646 |
| $900,000 – $1,000,000 | $3,901 |
Band premiums are midpoints on the Clarksville dwelling curve (typical local home value about $236,100). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Clarksville, TN, using a typical local home value of about $236,100. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Clarksville, TN: the local picture
Clarksville has about 166,722 residents and lies within Montgomery County.
Clarksville is located in the Montgomery County area, and there everyday insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Housing here is a mix of single-family homes typical of the Montgomery County area, but replacement cost, roof age, and construction type still explain most premium differences from street to street.
Tennessee pricing often reflects tornado and severe-storm risk, with flood considerations near rivers and low-lying areas.
Coverage basics for homeowners
It pays to rebuild your home’s structure after a covered loss, and it should match what rebuilding costs locally right now.
This portion applies to detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
Belongings such as furniture and clothing indoors fall under this coverage, though some higher-value categories carry special sublimits.
When repairs after a covered claim make the house unlivable, this helps pay additional living expenses.
It responds when you are legally responsible for harm to other people or their property caused by a covered incident.
This helps with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Home insurance discounts in Clarksville, TN
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Each carrier chooses which discounts it offers and how large they are. “Up to” marks the top of the range, not a promise.
What moves home insurance rates in Clarksville
A handful of connected factors shape the price for Clarksville homeowners, and carriers review them together when they build a quote. Most of the price comes from rebuild cost, the roof’s age and material, and exposure to storms or wildfire; deductible choice and claims history can swing the final premium as much as which carrier you pick.
Replacement cost is the cost to rebuild the home with comparable materials at today’s labor and supply prices. The maximum payout follows the rebuild estimate, so larger Clarksville rebuild numbers tend to mean higher premiums.
Construction type and roof details round out the list: underwriters check frame versus masonry construction, the roofing material, and how solidly the home is built, because those details affect performance in the wind, hail, and fire seen across Tennessee.
Two Clarksville homes with matching rebuild costs may still get different quotes thanks to location risk: storm, hail, wildfire, and crime scores that vary by ZIP code and neighborhood.
Carriers score fire protection using protection class and how far away hydrants and stations are; a stronger profile often brings a more competitive price.
Claims history is still a major rating input: recent claims on the property or household often increase rates for Clarksville renewals and new business quotes as well.
Certain companies look at a credit-based insurance score where permitted; the stronger the score, the lower the premium tends to be.
Bundling home and auto in Clarksville, TN
The amounts shown illustrate average bundle savings, not a promise. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Clarksville, Tennessee | $298 | $454 | $702 |
Clarksville neighborhoods
- Highpointe Row
- Cumberland Terrace
- Dogwood Hills
- Olympic Village
- Providence Pointe
- Dunnaway and Shelby
- Wyncliff
- Nichols & Darnell
- Ashland Hills
- Beachaven
- Johnson Heights
- River Chase
- Colonial Village
- Poplar Hill
- Kingswood
- Rolling Acres
- Barkley Hills Estates
- Darnell Estates
- Dalewood
- Lintwood Heights
Clarksville housing stock and storm history
From 2000 on, Montgomery County has appeared in 14 major disaster declarations; the latest is Severe Winter Storm (February 2026).
In FEMA’s National Risk Index, Montgomery County rates above the low end for hail (“Relatively Moderate”), tornado (“Relatively High”), and strong-wind (“Relatively High”).
NOAA storm records show 13 hail reports within about 9 miles of Clarksville from 2016 through 2025; 9 were one inch or bigger. The largest was 3 inches in May 2024 around Clarksville.
Clarksville’s median year built is 1997. Ages are mixed: 26% predate 1980 and 24% went up in 2010 or later.
Census survey estimates (ACS 2020–2024) show about 72,320 housing units in Clarksville, and owner-occupants live in about 56% of the occupied homes. By structure type, 67% are detached single-family houses and 25% are in buildings with two or more units.
The USGS GNIS lists these named communities and subdivisions in and around Clarksville: West Creek, Endsville, Cedarbrook, Wedgewood Estates, Briarwood, and Northside Estates. Rates can still differ from one section to the next because of roof age, construction, and fire-station distance.
Home heating in Clarksville runs mainly on electricity (75%) and utility gas (22%).
Tornado history matters here as well: NOAA recorded 5 tornadoes starting within 10 miles of Clarksville over 2016–2025, the strongest rated EF3 in December 2023.
By the historical record, Clarksville was founded in 1784 and incorporated in 1808. The name honors George Rogers Clark. Census counts put Clarksville at 103,455 residents in 2000 and 132,929 in 2010, and the Census Bureau’s July 2024 estimate is 185,690. That is growth of roughly 79% since 2000.
Older NOAA hail logs add more history: the Storm Prediction Center lists 36 hail reports within 5 miles of Clarksville between 1955 and 2015, topped by hail of 2.5 inches on April 24, 2007. 1 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 11 tornadoes that began within 10 miles of Clarksville from 1950 through 2015; the most powerful, rated F3, touched down on January 22, 1999.
Shopping around the area? Nearby home insurance pages: Pleasant View (21 mi), Coopertown (24 mi), and Erin (26 mi).
ZIP codes we cover in and around Clarksville
37040 · 37041 · 37042 · 37043 · 37044
Related Tennessee insurance pages
Clarksville, TN home insurance quotes
Clarksville homeowners get a comparison of 25+ carriers through Freedom Insurance Group. To get started, begin a home quote on our site or dial (800) 253-1482.
