Expertise.com

Best Homeowners Insurance Agencies in Clarksville

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Homeowners Insurance Agencies FAQs

Learn more
Augustine Insurance & Financial Services, Inc. logo
Visit WebsiteWebsite

Augustine Insurance & Financial Services, Inc.

111 North Riverside Drive, Clarksville, TN 37040
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.6 / 5 (117)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Beth Null Dorris - State Farm Insurance Agent logo
Visit WebsiteWebsite

Beth Null Dorris - State Farm Insurance Agent

2305 Memorial Boulevard, Springfield, TN 37172
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

Beth Null Dorris, State Farm Insurance Agent, is operated by its namesake agent, who has over 20 years of experience. It serves customers by helping them to shop for State Farm insurance products and customize plans that provide the types of coverage they need. Its homeowners insurance plans can cover risks associated with properties and the value of belongings inside them. Beth Null Dorris, State Farm Insurance Agent, offers health and life insurance plans too.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
BFS Insurance Group logo
Visit WebsiteWebsite

BFS Insurance Group

1820 Madison Street, Clarksville, TN 37043
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (54)
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Brian Harris - Farm Bureau Insurance logo
Visit WebsiteWebsite

Brian Harris - Farm Bureau Insurance

2225 Lowes Drive, Clarksville, TN 37040
Visit WebsiteWebsite
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (60)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Clarksville Insurance Agency logo
Visit WebsiteWebsite

Clarksville Insurance Agency

2859 Fort Campbell Boulevard, Clarksville, TN 37042
Visit WebsiteWebsite
  • Earthquake
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Fire

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.6 / 5 (77)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Higgins Insurance logo
Visit WebsiteWebsite

Higgins Insurance

120 Center Pointe Dr, Clarksville, TN 37040
Visit WebsiteWebsite
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (6)
Google
4.5 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mid South Insurance logo
Visit WebsiteWebsite

Mid South Insurance

35 Crossland Avenue, Clarksville, TN 37040
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (11)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
MSC Insurance logo
Visit WebsiteWebsite

MSC Insurance

1997 Madison St, Clarksville, TN 37043
Visit WebsiteWebsite
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Wyatt Insurance Services Inc. logo
Visit WebsiteWebsite

Wyatt Insurance Services Inc.

Jefferson St. Suite 200-D, Clarksville, TN 37040
Visit WebsiteWebsite
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (10)
Google
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

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.

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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Read all FAQs