Home Insurance in Clarksville, TN

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The Importance of Home Insurance in Clarksville, TN

Clarksville lies between the Kentucky border and the Cumberland River in the northern part of Tennessee. As the county seat of Montgomery County, this growing city is the fifth largest in the state. The low cost of living and proximity to Fort Campbell Army Base have encouraged the town’s growth and revitalization. According to bestplaces.com, the area saw a 17% growth rate in 2020, which has inspired new housing developments in town.

If you are among the 160,000 people to call this area home, you know how important it is to have home insurance in Clarksville, TN. Located between the weather systems of the Midwest and the Gulf of Mexico, this area is prone to thunderstorms, tornados, hurricanes, and flooding. Protecting your home from natural disasters, accidents, and theft is our top priority at VIU by HUB. 

Flood Insurance Is Highly Recommended

According to floodfactor.com, over 8% of the properties in Clarksville are in the 30-year flood plain. In an article published by the Leaf Chronicle, the most recent major flood of 2010 destroyed 223 homes. Since flooding can happen along the river, flood canals, and runoff basins, many areas outside the Cumberland Flood Plain are also prone to water inundation. 

Purchasing home insurance in Clarksville, TN doesn’t include flood insurance with standard policies, so we offer supplemental flood insurance. In the event of a flood in your home, the insurance pays to repair or replace the damaged part of your house’s structure and replace your belongings. 

Standard Policies Cover Many Damages

Your home is one of the most significant investments you will make during your lifetime. Many mortgage companies require that you carry home insurance in Clarksville, TN, while you have a loan. However, if you have paid off your home, the decision to purchase insurance is up to you. Standard policies are always good to have. Some of the losses they cover are:

  • Destruction from tornados
  • Hail damage
  • Straight-line wind damage
  • Lightning strikes
  • Fire
  • Theft

Historically, Clarksville is prone to heavy thunderstorms and tornados, putting your house at above-average risk for damage. This city had over 1800 thunderstorms and 77 tornados from 1950 to 2010. This data found in the U.S. Tornado and Weather Extremes database demonstrates the importance of having home insurance in Clarksville, TN. It provides the financial means to cover the cost of rebuilding or repairing your house and replacing your belongings. Without it, you are responsible for all of this yourself.

How To File a Claim 

If you have experienced a fire in your home or outbuilding, had a tree fall on the roof, had someone break in and steal your new television, or any other damage, you may be unaware of how to proceed. Here are the most critical steps to getting your home good as new.

  1. Provide Information to Your Insurance Company – contact your insurance company right away so they can begin processing your claim. 
  2. Make Urgent Repairs – If there’s damage threatening your safety or may cause further damage to the home, you can make those repairs. Take pictures both before and after and save all your receipts for reimbursement. 
  3. Schedule Inspection – The insurance company wants to see all damages and losses in person. To do this, they send an appraiser to your home. Their job is to verify what has happened and to assign a dollar amount to the repair. 
  4. Payment – Depending on the damage, the company may make payment in a few weeks to a few months. 

This information is intended for general informational purposes only and is not intended to constitute legal advice.

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