Home and auto insurance in North Clarksville, TN
The 37042 ZIP covers north Clarksville and reaches Fort Campbell. About 6 in 10 acres of it are inside Clarksville city limits, and 41% of households rent.
- Your dwelling limit checked against today's rebuild cost
- Your quote built around what you want covered
- Home and auto bundled when it saves you money
North Clarksville by the numbers
The homes here, and what that means for coverage
Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates, ZIP code 37042.
Renters need their own policy
41% of households here rent. Your landlord's policy covers the building only. A renters policy covers your belongings and your liability if a guest gets hurt, and it pays for a place to stay if a covered loss makes your home unlivable.
Moving away? A rented-out house needs a landlord policy
If you keep your house here and rent it to tenants after a move, tell us before the tenants move in. A homeowners policy is written for the home you live in. A rented house is insured on a landlord policy, also called a dwelling policy. It covers the building and your liability as the owner, and it can include lost rent after a covered loss.
A newer home still needs a rebuild number
1 in 4 homes here was built since 2010. A purchase price includes the lot, and building costs have changed since then. On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab in Montgomery County comes to about $365,000. That's well above the $247,100 median home value here. Set the dwelling limit from rebuild cost.
Free tool
What would your North Clarksville home cost to rebuild?
Our calculator uses Montgomery County construction costs. Enter your square footage and finish level and check the result against Coverage A on your policy.
Run the rebuild calculatorAuto in Tennessee
State minimum: 25/50/25
That's $25,000 per person and $50,000 per accident for injuries you cause, and $25,000 for property damage. Most households need more. Our guideline is liability equal to 2.5 times household income or net worth, whichever is greater.
Every Tennessee auto policy includes uninsured motorist coverage at the same limits as your bodily injury liability, unless the named insured rejects it or picks lower limits in writing. Lower limits can't go below the state minimum. A rejection generally carries over to renewals with the same insurer until you ask for the coverage in writing. If you buy it, you also get the option to add uninsured motorist property damage coverage for your car.
Find your liability number →Send us your current policy
We'll go through it with you, explain what it pays for and what it doesn't, then build a quote around what you want covered. If yours already covers what matters to you, we'll say so.