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Home Insurance in 37042
Our rates are very competitive for homeowners living in the 37042 zip code. Many homeowners based out of Clarksville, TN have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our TN licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 37042 should appear in the zip code field ready to go.
37042 Average Home Insurance Rates
Are you looking for a standard HO-3 homeowners policy for your single family home in the Clarksville area? The average homeowners premium in 37042 is high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 37042, you can expect to pay around $952 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.
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Get Home Insurance Quotes in 37042
We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Tennessee. Start your 37042 home insurance shopping today!
37042 Home Insurance Average Premiums
$702 /yr.
Shows Zip Code: 37042 lowest rates with discounts applied on average.
For the 37042, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $702 /yr. |
| Average Coverage: | $952 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1252 /yr. |
What is the average home insurance cost for a home in 37042?
- • The average homeowners insurance premium paid annually for a home in 37042 is around $952 per year.
What does it cost on average per month for home insurance in 37042?
- • Homeowners in 37042 pay a monthly average cost per month around $79.00.
What kind of discount could I get if I combine my home and auto insurance together in 37042?
- • Autoowners in 37042 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
For shopping home insurance rates within the Clarksville area, check out other zip codes nearby 37042.
Review average rates in another zip code:
37043 homeowners insurance rates
37040 homeowners insurance rates
37042 homeowners insurance rates
Home Replacement Cost Coverage in 37042
Average Building Cost Per Square Foot in 37042: $135
Location: Clarksville, Tennessee (Montgomery County)Average Square Footage in 37042: 1,154 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 37042 before you start any project. Clarksville homeowners pay on average around $135 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 37042 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Here is how you determine your replacement cost. If we take an average home in 37042 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,154 sq. ft. and the average cost to rebuild the home in this area is around $135 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Clarksville area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.
| Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $135 | 1,154 | $155,800 |
| Additional Upgrades & Added Features | $169 | 1,154 | $194,750 |
| Major Home Updates or Advancements | $203 | 1,154 | $233,700 |
It's important to understand that when you estimate your replacement cost of your home in the 37042 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.
Best Homeowners Insurance Agencies in 37042
Insouth Llc
Address: 3281 Fort Campbell Boulevard Clarksville, TN 37042Phone: (931)431-9442
Website:
Best Home & Auto Insurance Agencies in 37042
Augustine Insurance Agency Master CHCK Cshng Services
Address: 2857 Fort Campbell Blvd Clarksville, TN 37042Phone:
Website: http://www.augustineautoinsurance.com
Info:
Clifford White-Farmers Insurance
Address: 3402 Cainlo Dr, Ste 900 Clarksville, TN 37042Phone:
Website:
Info:
MetLife Auto & Home
Address: 1327 Fort Campbell Blvd Clarksville, TN 37042Phone:
Website: http://www.metlife.com
Info:
Direct General Insurance Agency Inc
Address: 1503 Fort Campbell Blvd Clarksville, TN 37042Phone:
Website:
Info:
Insouth Llc
Address: 3281 Fort Campbell Blvd Clarksville, TN 37042Phone:
Website:
Info:
Housing Demographics for 37042
Population Review for 37042 Zip Code
For the city of Clarksville, the population within 37042 has increased to over 98,600 residents in population size. The current population total is 83,498. We have broken down the population based on race below. In 37042, there are over 40961 in male population and 42537 females.
| Population | Values |
|---|---|
| Total Population | 83,498 |
| White Population | 43223 |
| Black Population | 22861 |
| Hispanic Population | 11348 |
| Asian Population | 2159 |
| Hawaiian Population | 579 |
| Indian Population | 505 |
| Other Population | 4090 |
| Male Population | 40961 |
| Female Population | 42537 |
| Population Estimate | 98600 |
Household Data for 37042
The average number of homes in 37042 is around 30,143, there are an average of 2.77 per household. The average house value according to local real estate values is around $155,800. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 30,143 |
| Persons Per Household | 2.77 |
| Average House Value | $155,800 |
| Income Per Household | $57356 |
| Median Age | 29.0 |
| Median Age Male | 28.1 |
| Median Age Female | 30.0 |
| 37042 Details | Values |
|---|---|
| State | TN |
| State Full Name | Tennessee |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 931 |
| City | Clarksville |
| City Alias Name | CLARKSVILLE |
| County | Montgomery |
| County FIPS | 125 |
| State FIPS | 47 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | 1660 |
| PMSA | |
| CSA | |
| CBSA | 17300 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Clarksville, TN-KY |
| MSA_Name | Clarksville-Hopkinsville, TN-KY MSA |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 678 |
| Number Of Employees | 7008 |
| Business First Quarter Payroll | 44536 |
| Business Annual Payroll | 195484 |
| Business Employment Flag | |
| Growth Rank | 92 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 4283 |
| Growth Increase Percentage | 2.5 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 273949 |
| CBSA Division Population | 0 |
| Congressional District | 01|07 |
| Congressional LandArea | 4141.92|9160.44 |
| Delivery Residential | 35596 |
| Delivery Business | 911 |
| Delivery Total | 36873 |
| Preferred Last Line Key | X25017 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | X25017 |
| Land Area | 56.870000 |
| Water Area | 0.492000 |
| City Alias Code | |
| City Mixed Case | Clarksville |
| City Alias Mixed Case | Clarksville |
| Box Count | 375 |
| SFDU | 26788 |
| MFDU | 2658 |
| State ANSI | 47 |
| County ANSI | 125 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 471692 |
| Unique ZIP Name | |
| SSA State County Code | 44620 |
| Medicare CBSA Code | 17300 |
| Medicare CBSA Name | Clarksville, TN-KY |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 4 |
| County Mixed Case | Montgomery |
Tennessee Homeowners Insurance News & Information
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2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]
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Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025
Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]
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Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024
Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies. Here are some common exclusions that could leave you […]