Living in Clarksville, Tennessee means Southern charm, country pride, and beautiful scenery. There are many things that make the area unique, and some of these things are actually quite useful to know when it comes to the type of insurance you purchase and the amount you spend on it.
Clarksville Flood Risks
Clarksville is situated on the Columbia River, which makes for beautiful fishing, boating, and water sports. However, as seen by recent events in the news, Clarksville is also prone to flooding, which can cause devastating and costly damage if you are not properly covered. Some people mistakenly believe that flood coverage is included in their homeowners or renters insurance; however, it's not. When purchasing your Clarksville insurance, you will need to buy flood coverage separately. Luckily, Clarksville insurance rates are typically lower than most parts of the country.
While your Clarksville insurance quotes will give you an exact amount, you can insure your home and its contents against floods for a relatively inexpensive rate. Renters will also want to get renters insurance to cover the contents of their home, because things like your electronics, clothing, and personal items and belongings are not covered by the owners homeowners insurance. Coverage for floods can be as low as $39 annually if you are ensuring the contents of your home, or as little as $119 for the contents as well as the structure. If you have a basement, the premium will go up about $25 a year. Either way, you are spending less than a dollar a day to keep your home safe from the damage cause by flooding.
Discounts for Clarksville Residents in the Armed Forces
Clarksville is also home to Fort Campbell, the army base located just to the northwest of the city. There are numerous insurance discounts, from auto to homeowners insurance, available to Active Duty, National Guard, Reserves, or retired members of the military. If you are in the military, as many people in Clarksville are, be sure to mention this when getting your Clarksville insurance quotes. On average, you can expect to save about 15% on your annual insurance premiums. And if you are deployed, you are also eligible for substantial discounts on top of that.
Finding Clarksville Insurance Quotes
In addition to being aware of discounts, shopping around and getting multiple Clarksville insurance quotes will help you to get the best rate. NetQuote.com is an excellent resource for insurance requirements in your state, and it will also provide you with multiple quotes. It's an easy way to get multiple quotes from the convenience of your own home so you can make the most informed decision.