Published June 15, 2026 · 40 years in trucking & the trades
What we cover in Celina
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Celina choose a local agent
When you're in Celina, Clay County, you get a real person who knows TN — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Celina: the local picture
Living here in Celina, we know severe weather isn't just a possibility; it's a reality. With 11 on-the-ground hail reports and Doppler radar catching hail 63 times, roof damage is a major concern for homeowners. You really need to understand your wind and hail deductibles, and make sure your dwelling coverage is robust enough to handle a full roof replacement. Beyond hail, we're in Tennessee, so thunderstorms and tornadoes are always on our minds, making comprehensive coverage for vehicles and robust property insurance crucial.
Our housing stock is as varied as the landscape, from single homes to small apartment buildings and mobile homes. This diversity means accurately assessing replacement costs is vital. What might cover a mobile home won't touch a larger, custom-built house, and different roof types will have very different replacement values. It's not a one-size-fits-all here, so getting the right valuation is key to avoid being underinsured. Also, with the Cumberland River, Obey River, and Cordell Hull Lake all around us, flood insurance is a serious consideration, especially if you're near Spring Creek or any of these waterways. Even if your lender doesn't require it, given Tennessee's history with flooding, it's smart protection.
From a business perspective, our local employers like V&F Transformer, Celina Health and Rehabilitation Center, Racoe (Manufacturing Plant), and the Clay County School District are cornerstones of our economy. They, along with our local retail and tourism businesses, all need solid commercial insurance. That means not just property coverage for their buildings, but also general liability to protect against accidents, and workers' compensation for their employees, who make up a significant portion of our county's 3,000-person workforce. Even our local paper, the Citizen-Statesman, needs to be properly covered.
Population: 1424 (2020)
Housing in Celina
Housing options in Celina are diverse, including single detached homes, small apartment buildings, and mobile homes, with varying sizes and architectural variety. This diversity means replacement costs and roof types would vary significantly across the housing stock. Source: https://www.remax.com/neighborhoods/celina-real-estate-guide-g30_dn7pym64
Major local employers & who's hiring
- V&F Transformer — Manufacturing Actively hiring
- Celina Health and Rehabilitation Center — Healthcare (Nursing Home/Rehabilitation) Actively hiring
- Clay County School District — Education Actively hiring
Local Celina businesses
A few businesses that call Celina home — independent of our agency.
- Citizen-Statesman — Local Newspaper
- BP — c-store
- One Stop Shopping — c-store
- USAA — financial
- Wellworth Bank — financial
- Citizens Bank Of Lafayette — financial
- D D Auto Repairs Unlimited — main-street
- Nick's Auto Repair — main-street
- Randell's Garage — main-street
- Rollerboat — main-street
- Gone Country Cafe — main-street
- Ollie's Place — main-street
Local landmarks & geography
- Cumberland River — Major river contributing to flood risk, especially properties located near its banks or within its floodplain. Part of Cordell Hull Lake.
- Obey River — Major river contributing to flood risk, especially properties located near its banks or within its floodplain. Meets the Cumberland River and is part of Cordell Hull Lake.
- Cordell Hull Lake — Large lake formed by the Cordell Hull Dam, encompassing the Cumberland and Obey Rivers. Properties in proximity or within its flood pool are at risk of flooding.
- Spring Creek — Designated State Scenic River. Properties along Spring Creek could face flood risk and its scenic designation may influence property values.
- Historic Downtown Celina — Area with older buildings, potentially requiring specialized insurance for historical properties, and the charm may affect property values.
- Clay County Courthouse and Historic Museum — A significant historical building located in the historic downtown, contributing to the area's value and potential for specialized historical property insurance needs.
- Standing Stone State Park — A state park located near Celina (13 minutes away). While not directly in Celina, its proximity can influence local tourism and property values in the surrounding area.
- Racoe (Manufacturing Plant) — A local manufacturing employer that contributes to the local economy, which can indirectly affect property values and commercial insurance needs in the town.
Local facts that shape your coverage
- Celina is the county seat of Clay County, Tennessee. — Geographic and administrative context for the town.
- The population of Celina, Tennessee was 1,422 at the 2020 census. — Provides fundamental demographic information about the town.
- The Celina, TN area has had 11 reports of on-the-ground hail by trained spotters, and Doppler radar has detected hail at or near Celina, TN on 63 occasions, including 3 occasions during the past year. — Specific historical data on a severe weather hazard in the area.
- Tennessee, including its eastern regions, frequently experiences flooding, with NWS Morristown issuing flood advisories for communities and reporting flooding along major interstates. — Indicates a regional flood hazard for the state where Celina is located.
- The population of Celina, Tennessee was 1,422 as of the 2020 United States census. — Provides demographic context for the local insurance market.
Local figures compiled from public sources: worldpopulationreview.com · en.wikipedia.org · interactivehailmaps.com · follownews.com · celinahealthandrehab.com · niche.com. Estimates — verify current details with the original source.
Insurance requirements in Tennessee
Tennessee is an at-fault state requiring liability coverage for every driver. Parts of Tennessee face severe storms and flooding, so it's worth reviewing whether flood and adequate wind coverage fit your situation. We compare Tennessee-admitted carriers to match the state's requirements to the coverage you actually need. Verify current state minimums with the Tennessee Department of Commerce & Insurance.
Celina, TN insurance — common questions
How much does insurance cost in Celina, TN?
Rates in Celina and Clay County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Celina?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Celina and all of TN — home, auto, farm, business, life, and more.
Can I get a quote in Celina today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.