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2024

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Best Homeowners Insurance Agencies in Clarksville, TN

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Clarksville Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

75Reviewed

48Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

120 Center Pointe Dr, Clarksville, TN 37040

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
4.5 (2)

Why choose this provider?

Founded in 1897, Higgins Insurance is an insurance agency serving clients in Clarksville and the surrounding areas. It offers comprehensive homeowners' insurance plans inclusive of structure and property protection. It provides homeowners' insurance policies for traditional house owners, condo owners, and renters. It also offers a broad variety of other insurance products, from church and non-profit coverages to agribusiness insurance and medicare supplement. Higgins Insurance maintains offices in Kentucky and Tennessee and is fully licensed in both states.

  • Personal Property Insurance
  • Multiple Policy Types

1820 Madison Street, Clarksville, TN 37043

Expertise.com Rating

Review Sources

Google
5.0 (54)
Facebook
5.0 (20)

Why choose this provider?

BFS Insurance Group provides protection for clients from its Clarksville office. The agency's line of personal insurance products includes home insurance. Its team of insurance advisors offers various policy options that may include coverage for property damage, personal injury, personal liability, medical expenses, and miscellaneous. Home insurance plans may also protect personal possessions such as collectible cars, wine collections, fine art, and jewelry. BFS Insurance Group was established in 2009. The company also specializes in apartment insurance and business insurance.

  • Multiple Policy Types

35 Crossland Avenue, Clarksville, TN 37040

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (3)

Why choose this provider?

Founded in 1955, Mid South Insurance is an independent insurance agency based in Clarksville. The agents from this company work with homeowners and advise them on the different coverages of homeowners' insurance. They help clients select liability coverage, which provides protection from financial losses if a homeowner, a family member, or the family's pet causes damages to other people or properties. In addition, the company offers coverage for fire and flood damage.

  • Multiple Policy Types

Jefferson St. Suite 200-D, Clarksville, TN 37040

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
4.0 (4)

Why choose this provider?

Since 1995, Wyatt Insurance Services Inc. has been helping clients in Clarksville and nearby areas find the right insurance policy for their homes. It assists clients with understanding the terms and logic behind homeowners' insurance through simpler language. A homeowners' insurance will protect the client's properties from financial risks and losses. As part of their service, insurance agents at Wyatt Insurance Services consult with clients on their specific insurance needs.

  • Multiple Policy Types
  • Personal Property Insurance

2225 Lowes Drive, Clarksville, TN 37040

Expertise.com Rating

Review Sources

Google
4.7 (60)

Why choose this provider?

Brian Harris is a Farm Bureau Insurance agent that helps clients around Clarksville in securing coverage for their homes following the impacts of inclement weather, fire, damage, or vandalism. Based in Columbia, Harris assists homeowners in determining insurance policies that cover factors like personal properties, decks and garages, damages to other properties, or liabilities for injured guests. Harris also handles mortgage loan issues in cases of property damage or loss. He has been serving clients with Farm Bureau Insurance since 1998.

  • Personal Property Insurance
  • Multiple Policy Types

1997 Madison St, Clarksville, TN 37043

Expertise.com Rating

Review Sources

Google
5.0 (16)

Why choose this provider?

MSC Insurance has been providing Clarksville residents with their insurance needs for more than 70 years. This company has developed the MSC360 risk management process, which helps its clients design a customized insurance policy covering each property's potential risks. Its independent agents strive to educate homeowners about their options regarding protecting themselves from property damage, fires, and liability claims. MSC Insurance also offers other types of personal insurance, including policies for condominiums, renters, and mobile homes.

  • Multiple Policy Types
  • Personal Property Insurance

111 North Riverside Drive, Clarksville, TN 37040

Expertise.com Rating

Review Sources

Google
4.6 (117)
Facebook
5.0 (7)
Yelp
3.0 (1)

Why choose this provider?

Augustine Insurance & Financial Services, Inc., has been providing quality insurance solutions to homeowners and businesses in Clarksville since 1972. Its agents assist individuals and families in securing their homes and belongings against disasters through a homeowners' insurance policy. They handle all types of home insurance coverages, including structures, personal possessions, homeowner's liability, and loss of use. Other offerings include auto, recreational vehicle, boat, life, and commercial insurance policies. The firm was voted Best Insurance Company in Clarksville by Five Star Media Group in 2020.

  • Multiple Policy Types

2859 Fort Campbell Boulevard, Clarksville, TN 37042

Expertise.com Rating

Review Sources

Google
4.6 (77)
Facebook
2.6 (5)
Yelp
5.0 (2)

Why choose this provider?

Clarksville Insurance Agency is an insurance brokerage that helps individuals financially protect their homes against disasters. The company offers homeowners' insurance that covers damage to the property and legal responsibility or liability for any injuries sustained by guests to the policyholder's home. Insurance agents can help with processing claims if the damage is unexpected and not due to poor maintenance. Other incidents covered under homeowners' insurance are theft, vandalism, natural disasters, and accidents.

  • Earthquake
  • Multiple Policy Types
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Higgins Insurance
120 Center Pointe Dr, Clarksville, TN 37040
BFS Insurance Group
1820 Madison Street, Clarksville, TN 37043
Mid South Insurance
35 Crossland Avenue, Clarksville, TN 37040
Wyatt Insurance Services Inc.
Jefferson St. Suite 200-D, Clarksville, TN 37040
Brian Harris - Farm Bureau Insurance
2225 Lowes Drive, Clarksville, TN 37040
MSC Insurance
1997 Madison St, Clarksville, TN 37043
Augustine Insurance & Financial Services, Inc.
111 North Riverside Drive, Clarksville, TN 37040
Clarksville Insurance Agency
2859 Fort Campbell Boulevard, Clarksville, TN 37042

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Is homeowners insurance in Clarksville expensive?

    Homeowners insurance can be expensive in Tennessee as it is prone to hailstorms, tornadoes, and wildfires. For instance, homeowners insurance in Clarksville has an average annual rate of $1,815 and an average monthly rate of $151. The cost of homeowners insurance may vary depending on your specific location, home cost, and design.

  • Is homeowners insurance required in Clarksville?

    Homeowners insurance is generally not mandatory in Clarksville, but if you have a mortgage, your lender may require you to have it. If you have paid off your home, you may decide whether to purchase homeowners insurance or not. As Clarksville is prone to thunderstorms, it is advisable to purchase homeowners insurance.

  • Does homeowners insurance in Clarksville cover flooding?

    Homeowners insurance with standard policies in Clarksville does not cover water damage caused by flooding. You may have to purchase additional flood insurance if you are located in a high-risk area that is prone to floods. Additionally, there is a waiting period of 30 days before the insurance policy can take effect.

  • Should you insure your home to its full value in Clarksville?

    It is often advisable to insure your home to its full value in Clarksville. Additionally, it can be beneficial that your insurance policy should cover 100% of the replacement cost of your home. In the event of a loss, you can be responsible for a portion of the rebuilding cost if you do not insure the full value of your home.

  • What are commonly covered by homeowners insurance in Clarksville?

    In Clarksville, homeowners insurance includes dwelling, personal liability, personal property, and medical payments coverage. Furthermore, it has coverage for other structures and loss of use. Homeowners may also choose to add coverage for personal injury liability, identity fraud expense, and "new for old" protection to their insurance policy.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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