Published May 6, 2026 · 40 years in trucking & the trades
What we cover in Clarksville
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Clarksville choose a local agent
When you're in Clarksville, Montgomery 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 Clarksville: the local picture
Clarksville sits in a genuine tornado corridor — an EF-3 with 150 mph winds destroyed 114 homes, killed four people, and injured dozens in December 2023, and a January 1999 F3 destroyed 124 downtown and Austin Peay University buildings — so homeowners and commercial owners here need adequate dwelling/contents limits and realistic wind/hail deductibles rather than bare-minimum policies. Properties along Riverside Drive and the Cumberland and Red River floodplains face real riverine flood risk that standard home policies exclude, making separate NFIP or private flood coverage essential. With Fort Campbell driving heavy renter and off-post housing demand and new construction rising, there is strong need for renters, landlord/dwelling-fire, and new-home builder's-risk coverage.
Population: 166,722 (2020)
Major local employers & who's hiring
- Nutrien Ag Solutions (wet fertilizer) — services
- Manifest Magic Black Girl Cooperative — ngo
- Clarksville Elevator — ag-commercial
- Soul Seed Solutions — cosmetics shop
- Liquor Warehouse — liquor store
- The Goobs Small Business Warehouse — shopping
- Warehouse 41 — antique shop
- Veterans Warehouse Car Donation Intake — office
Local Clarksville businesses
A few businesses that call Clarksville home — independent of our agency.
- Manifest Magic Black Girl Cooperative — ag-commercial
- Clarksville Elevator — ag-commercial
- Soul Seed Solutions — ag-commercial
- Warehouse 41 — ag-commercial
- Marathon — c-store
- Shell — c-store
- BP — c-store
- Speedway — c-store
- Walmart Fuel & Convenience — c-store
- ATM (Regions Bank) — financial
- Regions Bank — financial
- Planters Bank — financial
Local facts that shape your coverage
- Clarksville's 2020 U.S. Census population was 166,722, making it Tennessee's fifth-largest city; updated Census estimates put it around 180,000 by 2024 after adding ~14,000 people in three years. — Fast population growth means more new homeowners, renters, and drivers needing coverage.
- Montgomery County's population was 220,069 in the 2020 census, a 27.7% increase over the prior decade (172,331 in 2010). — Rapid countywide growth drives demand across all personal and commercial lines.
- Fort Campbell is the single largest employer in the Clarksville region (and one of the largest in Tennessee and Kentucky), with roughly 30,100 active-duty soldiers and over 8,500 civilian employees. — A large transient military population fuels renters insurance, auto policies, and frequent move-related coverage changes.
- On December 9, 2023, an EF-3 tornado with 150 mph winds struck north Clarksville/Montgomery County, destroying 114 homes, damaging hundreds more, killing four people, and injuring 61. — Recent catastrophic tornado underscores the need for adequate dwelling limits and realistic wind/hail deductibles.
- A January 22, 1999 F3 tornado tore through downtown Clarksville and Austin Peay State University, destroying 124 buildings, damaging 562, and causing $72.7 million in damage. — Demonstrates a long-standing tornado pattern affecting both homes and commercial/downtown property.
- Clarksville sits at the confluence of the Cumberland and Red Rivers; flooding regularly reaches Riverside Drive and low-lying areas. — Riverine flood exposure that standard homeowners policies exclude, requiring separate NFIP or private flood coverage.
- Montgomery County participates in the FEMA National Flood Insurance Program, and occupied structures in the floodplain must have their crawlspace or basement floor elevated at least one foot above the 100-year flood elevation. — Confirms regulated flood zones where lenders and FEMA may require flood insurance.
- Clarksville's housing market is one of the region's fastest-growing, with a rising new-construction share and a projected multi-year rental shortfall of several thousand units. — Strong rental demand and new builds drive need for landlord/dwelling-fire, renters, and builder's-risk coverage.
Local figures compiled from public sources: en.wikipedia.org · clarksvillenow.com · en.wikipedia.org · nashvillesmls.com · clarksvilletn.gov · weather.gov. 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.
Clarksville, TN insurance — common questions
How much does insurance cost in Clarksville, TN?
Rates in Clarksville and Montgomery 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 Clarksville?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Clarksville and all of TN — home, auto, farm, business, life, and more.
Can I get a quote in Clarksville 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.