Westfield Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Trusted Choice's Westfield Insurance Score
4.5 Stars
We award Westfield Insurance a final rating of 4.5 out of 5 stars. The insurance company’s prestigious reputation, coupled with the fact that it's one of the largest insurance companies in the U.S., plainly validates Westfield Insurance’s respectability and endurance. Westfield Insurance has remarkably strong financial stability and offers reliable coverage to customers across the nation.
Westfield Insurance was founded in 1848, making it a well-established insurance carrier with more than 175 years of experience in offering superior insurance policies and services to individuals and businesses alike. Today, Westfield Insurance is among the top writers of farm business policies in the U.S.
We love that Westfield offers 24/7 claims reporting and a mobile app for customers. The carrier also offers many generous discounts on top of its already affordable premium rates. So, if you are in the market for personal, business, or agricultural coverage, consider asking your independent insurance agent to help you look further into Westfield Insurance to be your next trusted carrier.
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Westfield Insurance Products by Type
Westfield Insurance is a large insurance company that serves both individuals and businesses and offers several of the following types of coverage:
Business Insurance:
- Commercial property insurance
- Commercial liability insurance
- Business auto insurance
- Workers' compensation insurance
- Commercial umbrella insurance
- Surety bonds
- Risk control solutions
- Agribusiness insurance
Home & Property Insurance:
- Home insurance
- Renters insurance
- Condo insurance
Vehicle & Auto Insurance:
- Auto insurance
- Boat insurance
- R/V camper insurance
Westfield Auto Insurance
Westfield Insurance provides all the critical auto insurance you'd need in a policy. Personal auto insurance from Westfield is currently available in 10 states, including Indiana, Illinois, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, Tennessee, and West Virginia. The carrier offers liability, collision, and comprehensive coverage. It also offers the following.
Coverage types, features, and benefits:
Roadside assistance
Westfield offers optional roadside assistance coverage that's available 24/7 for customers who experience a breakdown, lock themselves out of their vehicle, get a flat tire, or run out of gas while on the road.
Medical payments
Westfield offers medical payments coverage, which can pay for treatments for injuries to you or your passengers after an accident.
Personal injury protection
Westfield also offers personal injury protection (PIP) coverage, which is mandatory in some states and optional in others. This coverage provides all the coverage that medical payments coverage does, with additional compensation available for lost wages and other expenses after an accident.
Westfield Car Insurance Average Prices
Westfield is known for providing affordable auto insurance for teen drivers. Here's a closer look at some of Westfield's average auto insurance rates by age vs. the national average rate for coverage.
Westfield Car Insurance Average Cost by Driver Age
| Driver Age | Westfield's Average Annual Car Insurance Premium | National Average Car Insurance Premium |
| 18 | $4,661 | $5,693 |
| 25 | $2,534 | $2,412 |
| 45 | $2,040 | $2,026 |
| 65 | $1,952 | $1,893 |
Westfield's average auto insurance rates are considerably cheaper for 18-year-old drivers than the national average. However, Westfield's premiums are slightly higher for drivers in other age categories.
Methodology:
These sample auto insurance rates were based on a policy with $100,000 in bodily injury coverage for one person, $300,000 in bodily injury coverage per accident, $100,000 of property damage coverage, $100,000 in uninsured motorist coverage per person, $300,000 per accident, and collision and comprehensive insurance with a $500 deductible each.
Westfield Homeowners Insurance
Westfield's home insurance policies provide all the standard coverages, including personal liability, dwelling, contents, and loss of use. The carrier also provides special home insurance policies for high-value homes. Westfield allows customers to optimize their home insurance policies with the following coverage options.
Coverage types, features, and benefits:
Flood
Westfield gives customers the option to add flood protection for their property. This coverage can reimburse you for damage or destruction to your dwelling or personal belongings caused by natural water sources, such as heavy rain, melting snow, hurricanes and tropical storms, and levee or dam failures.
Equipment breakdown
Westfield includes equipment breakdown coverage in some of its homeowners policies. This coverage can reimburse you for repairs or replacements to various appliances and home equipment, like refrigerators, dishwashers, and washers and dryers if they break down or experience mechanical failure.
Dwelling replacement cost
Westfield provides varying degrees of dwelling replacement cost coverage depending on the type of policy you select. Customers can choose policies that provide up to 25% over the insured value of the home or opt for a Wespak Estate policy, which guarantees full replacement cost coverage if the homeowner needs to rebuild after a total covered loss.
Westfield Homeowners Insurance Average Prices
Westfield also offers affordable homeowners insurance. The carrier's average premium rate for a policy with $350,000 in dwelling coverage is $1,344 per year, which is considerably cheaper than the national average of $1,678 annually. Here's a breakdown of some of Westfield's home insurance policies' average rates by dwelling coverage amount.
Westfield Home Insurance Average Cost by Dwelling Coverage Amount
| Dwelling Coverage Limit | Average Annual Premium |
| $200,000 | $1,062 |
| $350,000 | $1,344 |
| $500,000 | $1,513 |
| $750,000 | $1,754 |
What Discounts Does Westfield Insurance Offer?
Westfield Insurance offers several competitive discounts on its coverage. Here are some of Westfield's homeowners insurance discounts:
- Wespak® discount: Offered to customers who bundle their auto and home insurance.
- MissionSafe discount: Offered to customers who enroll in Westfield's safe driving rewards program. The program monitors driving habits and offers incentives that encourage safer behaviors. A 10% discount is granted at the time of enrollment, with up to a 40% discount offered at the time of renewal.
- New home discount: Offered to customers who insure a newly constructed home with Westfield.
- Loyalty discount: Offered to customers who have kept their coverage with Westfield for at least three years. Discounts can increase over time.
- Senior citizen discount: Offered to customers age 55 and older.
- Prior carrier discount: Offered to customers who switch their coverage to Westfield after three years or more and have no prior claims.
An independent insurance agent can provide better discount information and premium quotes for coverage through Westfield Insurance. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
Westfield Insurance Customer Service
Westfield Insurance allows customers to file claims online or by phone 24/7. Here's a breakdown of Westfield's customer service options and availability.
- Phone
- Snail mail
- Smartphone app
- Online claims reporting
- Customer service phone department has the following hour restrictions:
| Days | Hours | ||
| Monday-Friday | 8 a.m. - 8 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you so you can relax and enjoy your coverage.
Connect with a Westfield Agent Today.
Shopping for insurance? Westfield has you covered.
Westfield Insurance FAQs
Our Westfield insurance claim reviews found that the carrier's claims reporting phone line is available for customers at any time. Extensive information about Westfield Insurance claims and the overall process is available on the carrier's official website.
Westfield insurance homeowners claims, as well as claims for all other coverages, can be filed 24/7 via the carrier's hotline or through the website or smartphone app. The insurance company does not stipulate an official claims response time frame promise on its website.
Westfield Insurance offers a toll-free phone line for potential and current customers to get a hold of the carrier during extended hours, Monday through Friday. However, the insurance company’s claims reporting department can be reached 24/7 by phone or email.
Customers can report claims via phone 24/7. Customers can also file claims via email, online, or by mobile app. Additional information about what documentation is necessary for each specific type of insurance is listed on the insurance company’s website. Westfield Insurance customers can also check the status of their existing claims online at any time.
Westfield offers homeowners insurance at lower rates than the national average, regardless of the dwelling coverage amount. The carrier has outstanding official ratings and few customer complaints. Westfield certainly does provide good home insurance.
According to several social media sites, reviews are quite positive on Westfield Insurance’s customer service and products. We love that the carrier offers 24/7 claims reporting via phone for its customers. The insurance company is also highly rated by both A.M. Best and the BBB. Overall, it can be said that Westfield Insurance is a good insurance company.
Westfield's insurance products may be right for individuals looking for trustworthy, affordable, and quality coverage. However, not all products are offered in every state, so you'll need to double check that you're located in an area where coverage is available.
Customers can check their claim status, pay their bills, and learn what types of coverage are available through the official website. The insurance company also has a social media presence on Facebook, LinkedIn, and X to be more accessible to customers.
Westfield's average home insurance prices are as follows:
| Dwelling Coverage Limit | Average Annual Premium |
| $200,000 | $1,062 |
| $350,000 | $1,344 |
| $500,000 | $1,513 |
| $750,000 | $1,754 |
https://www.westfieldinsurance.com/about-us
https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=2382
https://www.bbb.org/us/oh/westfield-center/profile/insurance-companies/westfield-insurance-company-0272-1224/customer-reviews
https://www.bbb.org/us/il/bloomington/profile/insurance-companies/state-farm-insurance-0654-26851
https://www.forbes.com/advisor/car-insurance/review/westfield-car-insurance-review/
https://www.forbes.com/advisor/homeowners-insurance/westfield-home-insurance-review/