HomeInsuranceQts

Home Insurance in Westmoreland, Tennessee

With a median home value of $241,700, Westmoreland is 39% lower than the Sumner County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Westmoreland was built around 1983. About 16% of homes were built before 1960, about 8 points above Sumner County's 7%.

The housing stock in Westmoreland is 72% single-family homes, 7% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Westmoreland, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Westmoreland are owner-occupied.

88% of homes in Westmoreland are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.

FEMA rates Sumner County's overall risk as Relatively Moderate, led by tornado (Relatively High). Sumner County had 670 active NFIP flood policies as of September 2026. See the full Sumner County home insurance overview for all FEMA hazard ratings and flood coverage details.

The statewide average premium for a standard HO-3 homeowners policy in Tennessee is $1,649 per year, according to the NAIC homeowners insurance report (2023 data).

Key figures

Median home value$241,700
Median year built1983
Owner-occupied share64%
Share of owner-occupied homes with a mortgage63%
Top county hazardTornado (Relatively High)
Active NFIP policies in Sumner County670
Home insurance premium$1,649 - statewide average (NAIC, 2023 data)
Key home insurance figures for Westmoreland, TN

Nearby towns

Sources

Data last updated: 2026-09-29