Augustine Insurance - Fort Campbell (931) 431-3677
Augustine Insurance - Clarksville (931) 503-0015

Fort Campbell Insurance

Those stationed in Fort Campbell might choose to live either on-base, or in the surrounding Hopkinsville, Kentucky-Clarksville, Tennessee region. Depending on where you choose to reside, your insurance obligations will vary. You can rely on Augustine Insurance Group to help you choose and manage home, auto, business and other specialty policies to your satisfaction.

Whatever your insurance needs, we've got the resources and expertise to help you. Don't hesitate to call us at (931) 431-3677, or request your free policy quote from one of our friendly agents now!

Car Insurance

Your auto insurance policy will help you pay for damage to your car, your own injury costs or the harm done to others in wrecks that were deemed your fault. All policies vary, but yours can include such coverage options as:

  • Collision Coverage: This coverage pays for damage to your car after a wreck.
  • Comprehensive Coverage: If your car sustains damage that is not related to a wreck — such as fire, theft or vandalism damage — then this coverage can pay for the repairs.
  • Liability Coverage: If you are found at-fault for a wreck, then other parties (such as the other involved driver) usually have a right to file against your liability insurance for their damage costs. Coverage can contain Bodily Injury Coverage for someone's medical costs and potential lost income. It will also offer Property Damage Coverage to pay for things like their vehicle damage.
  • Uninsured/Underinsured Motorist Coverage: When someone else is found at-fault for a wreck, they might lack the liability insurance to pay you for your own losses. Your un/underinsured coverage can help you cover those losses on your own.
  • Medical Payments Coverage: This coverage can pay for your medical bills or those of your passengers if you get hurt in a wreck.
  • Other policy options might include Roadside Assistance, Rental Car Supplements, Deductible-Free Glass Insurance, Trailer Liability Insurance, Gap Insurance or Replacement Cost Value Coverage.

Both Tennessee and Kentucky require drivers to carry proof of financial responsibility. To do so, drivers get car insurance. Each state requires all policies sold to contain certain coverage.


  • $25,000 bodily injury liability coverage (per person)
  • $50,000 bodily injury liability coverage (total per accident)
  • $15,000 property damage liability coverage


  • $25,000 bodily injury liability coverage (per person)
  • $50,000 bodily injury liability coverage (total per accident)
  • $25,000 property damage liability coverage

If you have financed your vehicle, you might also face a requirement from your lender to carry Collision, Comprehensive or other coverage. You do have the option to increase your liability and physical damage coverage to your satisfaction once you meet the minimum limits.

We also offer RV insurance (including full-timers packages) and Motorcycle Insurance with appropriate contents and enhancements riders. Boat/Marine Insurance Policies can also be purchased for your personal watercrafts that need appropriate coverage.

Homeowners Insurance

Residents of both on-base and off-base housing need homeowners coverage, and many have a lender-required rule to purchase a policy. Yours can offer:

  • Structure Coverage: This coverage will pay for damage to your house and its related fixtures following events like fires, weather and vandalism. The policy will also cover other structures — such as fences, gazebos, in-ground swimming pools or detached garages.
  • Contents Coverage: This policy can pay you for damaged, destroyed or stolen belongings.
  • Liability Coverage: Should a third party — such as a friend or neighbor — get hurt or sustain property damage as a result of your mistakes or negligence, then this coverage can pay for their losses.
  • Scheduled Items Endorsements: Special or high-value belongings — such as jewelry — can receive coverage for their unique values through this endorsement you add to the policy.
  • Loss of Use Coverage: If damage occurs in your home, then you can use this coverage to pay for such costs like hotel or dining bills during the period you cannot live in the property.

There are various other policy options that you can use to expand your coverage. For example, you might need Water-Backup/Sump Pump Overflow Coverage, Cyber Data Protection, Identity Theft Coverage or Replacement Cost Contents Insurance.

Business Insurance

To meet their business' insurance needs, many people buy Business Owners Packages, also called BOPs. These contain several types of coverage, and they are great incentives for small business owners who have both cost and convenience in mind. They usually contain:

  • Property Insurance: Damage to the business' owned property and contents can receive coverage. It will also cover customers' belongings left in your care.
  • General Liability Insurance: When you cause property damage or bodily injury to third parties — such as your clients — this coverage can pay for their recovery costs, lost income and repair bills. It can also cover your legal expenses if the affected party sues you.
  • Business Interruption Coverage: Should a halt in operations occur due to a hazardous event, this coverage can help you recover income lost on expenses in the meantime.

There are many other ways you can augment your coverage, such as by buying Personal Liability Insurance, Scheduled Equipment Endorsements, Cyber Liability Insurance, Equipment Breakdown Insurance, Crime Insurance and additional protection. If your BOP doesn't offer the additional perks automatically, you can purchase them separately.

Other types of critical commercial insurance, such as Commercial Auto Insurance or Workers Compensation Coverage cannot be purchased in a BOP, but you can buy them separately.

If you do not qualify for a BOP, which is tailored for small businesses, you might qualify for a Commercial Package Policy, which is better-designed for larger or specialty businesses.

Life & Health Insurance

Planning a secure financial future means keeping your medical and estate needs in mind. The appropriate life insurance and health insurance will help you achieve that sense of security.

  • We offer Fee-For-Service and Managed Care Plans for individuals, families and group benefits.
  • Long-Term Care, Long-Term Disability and Short-Term Disability Coverage are available for individuals and employer benefits packages.
  • Our Term and Whole Life Insurance packages allow you to establish a death benefit in addition to investment incentives. Policies can help you prepare a financial legacy for your family.

Umbrella Insurance

We offer both Personal Umbrella and Commercial Umbrella Policies. These can provide excess liability protection in case a claim ever exceeds the limits of your existing homeowners, auto, boat or business insurance liability coverage.

Active-Duty and Veteran Services

There are numerous cost incentives and discounts available to help both active-duty and veteran personnel afford tailored insurance coverage. Our agents can help you determine your eligibility for cost savings, as well as any insurance exemptions available to those on post at Fort Campbell.

For More Information

It's easy to get in touch with Augustine Insurance Group for any of your insurance needs. Call us at ((931) 431-3677, request a free quote online, or drop by our office to learn more.

Visit Us

2857 Fort Campbell Blvd
Clarksville, TN 37042