Freedom Insurance Group helps Westmoreland households compare homeowners coverage without the hassle. Request a quote online or phone (800) 253-1482.
Homeowners insurance rates in Westmoreland, TN
| Scenario | Market estimate | Freedom Insurance Group example (39% less) |
|---|---|---|
| Typical Westmoreland home (~$228,400) | $1,809/yr | $1,103/yr |
| $300,000 dwelling | $2,130/yr | $1,299/yr |
| $600,000 dwelling | $2,997/yr | $1,828/yr |
| $1,000,000 dwelling | $3,900/yr | $2,379/yr |
The typical homeowners insurance premium in Westmoreland, TN is about $1,809 annually for a typical local home (typical local home value about $228,400). For a $300,000 dwelling, expect around $2,130 per year; for a $600,000 home about $2,997; and for a $1,000,000 dwelling about $3,900. Freedom Insurance Group rates are often about 39% lower — near $1,103 per year for a typical home, roughly $1,299 for a $300,000 home, about $1,828 for a $600,000 home, and around $2,379 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado, Hail & Severe-Storm Coverage) |
|---|---|
| $100,000 – $200,000 | $1,656 |
| $200,000 – $300,000 | $1,851 |
| $300,000 – $400,000 | $2,272 |
| $400,000 – $500,000 | $2,572 |
| $500,000 – $600,000 | $2,864 |
| $600,000 – $700,000 | $3,092 |
| $700,000 – $800,000 | $3,280 |
| $800,000 – $900,000 | $3,528 |
| $900,000 – $1,000,000 | $3,776 |
Band premiums are midpoints on the Westmoreland dwelling curve (typical local home value about $228,400). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Westmoreland, TN, using a typical local home value of about $228,400. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What drives home insurance prices in Westmoreland
A Westmoreland home insurance price rests on several related inputs underwriters weigh side by side. The deductible you choose and your claims history can change the final price as much as the choice of carrier, but rebuild cost, the roof’s age and material, and local storm or wildfire risk tend to dominate.
Rebuilding your house with similar materials at current labor and material costs is what replacement cost captures. Since the carrier’s largest possible payout grows with the rebuild estimate, bigger estimates for Westmoreland homes tend to push up premiums.
Frame or masonry walls, what the roof is made of, and how well the house is built all influence how the home holds up against Tennessee’s wind, hail, and fire events, so construction type and roof details matter too.
Location risk reflects storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Westmoreland, so two homes with similar rebuild costs might still quote differently.
A better fire protection profile built on close hydrants, a nearby station, and a good protection class tends to make the premium lower.
A recent claim tied to the home or the household can push up rates for Westmoreland renewals as well as new policies, because claims history still weighs heavily.
Credit-based insurance score, where state rules allow it, is another lever; better scores generally line up with lower prices when the carrier uses it.
About Westmoreland, TN
Westmoreland has about 2,291 residents and lies within Sumner County.
In a smaller Tennessee community such as Westmoreland, what matters for insurance is local construction, access to fire protection, and regional storm patterns more than any big-city headline.
Local housing is a mix of single-family homes typical of the Sumner County area, but replacement cost, roof age, and construction type still account for most premium differences from one house to the next.
Tennessee pricing often build in tornado and severe-storm risk, with flood considerations near rivers and low-lying areas.
Common discounts for Westmoreland, TN homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Every insurer sets which discounts it offers and how large they are. “Up to” is the high end, not a promise.
Coverage basics for homeowners
- Dwelling (Coverage A): Rebuilding funds for the home itself after a covered loss. Match it to reconstruction costs in your area.
- Coverage B, other structures: This handles structures not attached to the home, like a shed, fence, or garage.
- Personal property (C): This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
- Loss of use (D): While a covered loss keeps you out of the home, this coverage helps with added costs like a rental or hotel.
- Coverage E, personal liability: Coverage for times when you are legally on the hook for another person’s injury or property damage arising from a covered event.
- Medical payments (F): This helps with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Westmoreland, TN home & auto bundle savings
Illustrated average bundle savings, not a guaranteed quote. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Westmoreland, Tennessee | $258 | $500 | $658 |
Local housing and storm data: Westmoreland
Since 2000, Sumner County has been part of 12 major disaster declarations; the latest is Severe Winter Storm (February 2026).
Half of Westmoreland’s homes were built in or before 1983. Roughly 44% of homes were built before 1980, which means system and roof updates can change eligibility and price.
ACS 2020–2024 estimates put about 1,184 housing units in Westmoreland, and owners occupy roughly 64% of the occupied homes. Of all units, 70% are detached single-family houses, 16% are in buildings with two or more units, and 11% are mobile homes.
NOAA storm records show 2 hail reports within about 5 miles of Westmoreland from 2016 through 2025; 1 were one inch or bigger. The biggest measured 1 inch in May 2016 around Eulia.
Home heating in Westmoreland runs mainly on electricity (88%) and propane or other bottled gas (7.9%). Propane tanks and wood stoves should be disclosed when you apply, because carriers treat them differently.
On tornadoes, NOAA recorded 1 tornado starting within 10 miles of Westmoreland in 2016–2025, the most intense an EF2 during December 2023.
In FEMA’s National Risk Index, Sumner County rates above the low end for hail (“Relatively Moderate”), tornado (“Relatively High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”).
Local history records show Westmoreland was incorporated in 1901. The Census Bureau counted 2,093 people in Westmoreland at the 2000 Census and 2,206 at the 2010 Census; its July 2024 estimate is 2,885. That is growth of roughly 38% since 2000.
Earlier hail records help too: SPC data show 20 hail reports within 5 miles of Westmoreland between 1955 and 2015, the largest 2.25 inches on June 19, 2011. 1 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 10 tornadoes that began within 10 miles of Westmoreland from 1950 through 2015; the most powerful, rated EF3, touched down on February 6, 2008. That tornado’s record lists 4 deaths and 11 injuries.
Comparing homes in nearby towns? We also have home insurance pages for Castalian Springs (12 mi), Lafayette (12 mi), and Portland (16 mi).
ZIP codes we insure in and around Westmoreland
37186
Keep exploring Tennessee insurance resources
Quote homeowners coverage in Westmoreland, TN
Freedom Insurance Group shops 25+ carriers for Westmoreland homeowners. Next step: start a free home quote on our site or dial (800) 253-1482.
