Westfield Property Insurance Review (2022)
I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them.
Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.
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Written by
Chris Huntley
Founder of Huntley Wealth & Insurance Services
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…
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Reviewed by
Rachael Brennan
Licensed Insurance Agent
UPDATED: Mar 29, 2022
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Here’s the Scoop
The Westfield Group owns Westfield
Westfield sells home, renters, and condo insurance
Westfield offers coverage for standard and luxury homes
The only thing you can expect to happen in life is the unexpected. Insurance products for homeowners and renters exist to help you remain protected from whatever unexpected challenges may come your way, like a house fire or a break-in. If you are shopping for insurance that can protect yourself and your home, you may want to consider the Westfield insurance company.
In business for over 170 years, Westfield Insurance has been helping homeowners acquire reliable coverage for quite some time.
Continue reading this review of the Westfield insurance company to learn more about its available coverages and determine if Westfield is right for you.
What is the Westfield insurance company?
Founded in 1848, Westfield Insurance is a subsidiary of the Westfield Group. This insurance company provides personal, business, and specialty insurance. Westfield has a fairly user-friendly website that offers clients a login portal to access their policy and make payments.
While the Westfield website doesn’t offer a free quote tool, there is a “Find An Agent” tool that you can use to connect with a local Westfield agent.
Westfield’s headquarters is located in Westfield Center, Ohio. If you would like to learn more about this company, you can call 1-800-243-0210.
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What insurance products does the Westfield insurance company provide?
Whether you own or rent your home, Westfield has you covered. You can purchase these types of insurance policies through Westfield:
Home insurance
Renters insurance
Condo insurance
It makes sense that you would only want to buy the best homeowners insurance policy available, so let’s take a detailed look at everything a Westfield insurance policy has to offer.
Home Insurance
To qualify for a Wespak home insurance plan, you must insure your home and your car with Westfield. When you do so, your insurance plan will automatically feature replacement cost and roadside assistance coverages. You will also be able to purchase coverage if you own a secondary home.
Luxury homeowners can turn to two different packages for coverage offered by Westfield:
With the Wespack Estate, you must insure your home and vehicle to receive coverages like identity theft protection, home equipment breakdown, and roadside assistance coverage.
If you don’t drive a car but own an upscale home, then Estatepak will allow you to obtain coverage for your home and possessions.
Westfield also offers homeowners flood insurance and umbrella insurance, so you can remain protected from every angle.
Renters Insurance
Renters also need to ensure that they are fully covered because a landlord’s insurance policy won’t protect you or your possessions in the event of a fire, a robbery, or a lawsuit in which someone attempts to sue you following an injury at your home.
Condo Insurance
Like the home and renters insurance policies offered by Westfield, this insurance company’s condo insurance can offer you coverage in the event of:
You’ll also be able to purchase liability coverage if someone is hurt inside your home or in one of the common areas of your building, like a clubhouse or swimming pool.
Are rates for a Westfield insurance policy affordable?
Westfield doesn’t offer a quick online quote tool, so you’ll need to reach out to a Westfield agent to discover if this insurance company’s rates are affordable. You don’t have to wait to start preparing your budget for a home insurance policy, though. Below, you can examine the average rate of insurance in your state:
Average Monthly Home Insurance Rates by State
StateAverage Monthly Home Insurance Rates
Alabama$117
Alaska$82
Arizona$70
Arkansas$118
California$89
Colorado$135
Connecticut$125
Delaware$73
District of Columbia$105
Florida$163
Georgia$109
Hawaii$95
Idaho$64
Illinois$92
Indiana$86
Iowa$82
Kansas$135
Kentucky$96
Louisiana$166
Maine$75
Maryland$89
Massachusetts$129
Michigan$82
Minnesota$117
Mississippi$132
Missouri$115
Montana$103
Nebraska$131
Nevada$65
New Hampshire$82
New Jersey$101
New Mexico$90
New York$110
North Carolina$92
North Dakota$108
Ohio$73
Oklahoma$162
Oregon$59
Pennsylvania$79
Rhode Island$136
South Carolina$107
South Dakota$107
Tennessee$103
Texas$163
Utah$61
Vermont$78
Virginia$86
Washington$73
West Virginia$81
Wisconsin$68
Wyoming$99
National Average$101
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You can also shop online to acquire free quotes from multiple companies, so you can find the best rates for your home insurance.
Is it easy to file a claim on a Westfield insurance policy?
While Westfield may offer various types of home insurance coverage, its customers’ ability to file a claim is limited. Unlike other major insurance companies, you can’t file a claim online or submit an email form to start your claims process. Your only option is to call the main Westfield customer service phone number, which is available 24 hours a day.
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Is Westfield highly rated?
Consumers looking to work with high-quality companies will be pleased to learn that Westfield has an A-rating from A.M. Best and an A+ rating from the Better Business Bureau (BBB). However, it isn’t a BBB accredited company.
What You Need to Know About Westfield Property Insurance
You can protect your home and possessions with a policy through Westfield, no matter if you rent or own your home. In addition, some generous coverages are automatically added to your plan if you purchase both home and car insurance from Westfield, so you may want to consider bundling your policies with this company.
Unfortunately, the speed and efficiency of Westfield’s quote and claims system are lacking. The company doesn’t offer an online quote tool, and you only have the option of calling in your claim. These features could be a drawback for busy consumers. If you’re seeking a company that puts customer convenience first, you can shop online to find an insurance company that better suits your needs.
