BFS Insurance Group, LLC
1820 Madison St, Suite G, Clarksville, TN 37043
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1820 Madison St, Suite G, Clarksville, TN 37043
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2859 Fort Campbell Boulevard, Clarksville, TN 37040
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409 Madison Street, Clarksville, TN 37040
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Clarksville residents.
Clarksville homeowners pay $2,712/year on average. Learn about tornado coverage, Cumberland River flood risk, and military discounts from Fort Campbell.
General Insurance EducationComplete insurance guide for Clarksville, Tennessee covering Fort Campbell military families, flood risks, tornado protection, and rates in Tennessee's fastest-growing city.
Car InsuranceComplete guide to auto insurance in Clarksville, Tennessee. Learn about TN requirements, Fort Campbell military discounts, I-24 risks, and how to save.
The average home insurance premium in Clarksville is $2,712 per year for a $300,000 home with $100,000 liability coverage and a $1,000 deductible. This is below Tennessee's state average of $3,045 annually. Tennessee Farmers offers the most affordable coverage in Clarksville at around $1,892 per year, while rates can vary significantly between insurers based on your home's age, location, and construction type.
Yes, standard homeowners insurance policies cover tornado damage including wind damage, hail, and debris impact. Given Clarksville's history with severe tornadoes—including the December 2023 EF3 tornado that destroyed over 271 homes—it's critical to ensure your dwelling coverage limit is high enough to fully rebuild your home at current construction costs, not just what you originally paid for it.
If your home is anywhere near the Cumberland River floodplain or low-lying areas near streams, flood insurance is essential. Standard homeowners policies explicitly exclude flood damage. Montgomery County experienced over $36 million in flood damages during the May 2010 flood. Flood insurance in Tennessee typically costs $1,000-$1,600 annually and is available even if you're not in a FEMA-designated flood zone.
USAA is the top choice for military families with a 94% recommendation rate and an average premium of $2,041 per year in Tennessee—well below Clarksville's average. USAA offers military-specific benefits like deployment-related coverage adjustments and a seamless claims process. If you're not eligible for USAA, State Farm (85% recommendation) and Allstate (82% recommendation) are strong alternatives with local agents in Clarksville.
You can reduce your premium by increasing your deductible from $500 to $2,000, which saves about 14.2% annually in Clarksville. Bundling your home and auto insurance typically saves 15-25%. Shopping around is crucial—Tennessee Farmers charges an average of $1,892 per year compared to the local average of $2,712. Just make sure you maintain adequate dwelling coverage and don't sacrifice essential protection to save money.
Fort Campbell safety guidance emphasizes sheltering in place rather than trying to reach a different location—you typically have 10 minutes or less to take action during a tornado warning. Go to your basement or an interior room on the lowest floor away from windows. After the storm passes, document any damage with photos and video before making temporary repairs to prevent further damage, then contact your insurance company immediately to start your claim.
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