Westfield Insurance Company Review

The facts you need to know before shopping for coverage.

Westfield Insurance Company at a Glance

  • Founded in 1848
  • Offers personal and business coverages
  • Rated "A" (excellent) by AM Best
  • Rated "A+" (excellent) by the Better Business Bureau (BBB)
  • 24/7 claims reporting

Westfield Pros: Long-standing carrier with more than 170 years' worth of experience in the insurance industry. High ratings through AM Best and the BBB. Offers both commercial and personal insurance lines. Offers 24/7 claims reporting. Many glowing customer reviews.

Westfield Cons: Not all coverage is available nationwide. Not a BBB accredited business.

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.

What Type of Insurance Does Westfield Insurance Offer?

Westfield Insurance offers several coverage options for individual and business customers. Their catalogue includes the following insurance products.

  • Contractors insurance
  • Distributors insurance
  • Health care insurance
  • Hospitality insurance
  • Manufacturing insurance
  • Real estate insurance
  • Home insurance
  • Auto insurance
  • Renters insurance
  • High value home insurance
  • Flood insurance
  • Equipment breakdown insurance

Your independent insurance agent can help you find more information about the coverages offered by Westfield Insurance, and help you decide if this insurance company is right for you.

What to Know About Westfield Insurance

Founded in 1848 as Ohio Farmers Insurance Company, Westfield Insurance has more than a century and half's worth of experience in the insurance industry today. The carrier has expanded to offer personal and commercial products, including home insurance, manufacturer's insurance, and more. Westfield now offers all lines in 10 states, commercial insurance in 21 states, and surety lines nationwide.

Westfield has more than 2,400 employees across the country, and offers its products through more than 1,000 independent insurance agents. Independent insurance agents help make the process of buying insurance simpler and more personalized for customers of all kinds.

Thanks to their rich history and large network, Westfield Insurance has earned itself a reputation as a trustworthy insurance company with a strong outlook for the future. AM Best gives Westfield Insurance an overall “A” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from AM Best assure customers that Westfield Insurance offers guaranteed, reliable coverage.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 

What Discounts Does Westfield Insurance Offer?

Westfield Insurance does not make information about their discounts readily available. To find out more information about Westfield's available discounts, work together with an independent insurance agent. An independent insurance agent can scout out any discounts you may qualify for, and provide other money-saving tips as well.

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Westfield Insurance Customer Service

Here's a breakdown of Westfield Insurance's customer service options and availability.

  • Phone contact option (hours not specified)
  • Snail mail contact option
  • Email contact option
  • Social media contact options
  • 24/7 claims reporting via phone

To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

Westfield Insurance FAQ

What is Westfield Insurance's average claim response timeframe?

Westfield details how to file claims for their customers, and states that they try to contact customers within two hours of filing.

What is Westfield Insurance's customer service availability?

Westfield Insurance is available 24/7 for claims reporting, but their customer service department does not specify its phone hours. The carrier also has email and snail mail contact options, as well as social media.

What is Westfield Insurance's claims process?

Westfield's official website breaks down the carrier's claims process as follows:

"Any time you have an accident or other loss, contact Westfield’s 24-7 claims response line at 800.243.0210 (select option 3) immediately. When you call, have this information handy:  

  • Your policy number
  • Phone number where you can be reached — landline and cell, if you have both

The sooner you contact Westfield, the sooner your claim can be processed. 

Once you contact us, you can expect the following:

  • We’ll do our best to contact you within two hours after receiving notice of your claim to begin processing.
  • A qualified professional claims representative will explain your coverage, review your claim and assess your damages.
  • We’ll pay your loss promptly in accordance with your policy terms and conditions."

Does Westfield Insurance create a user-friendly experience for customers?

Westfield's official website is excellent. The layout is intuitive and plenty of information is provided for current and prospective customers alike. The insurance company also has an active social media presence, making them even more accessible to customers.

Does Westfield have good high-value home insurance?

One of the more unique forms of coverage offered by Westfield Insurance is high-value home insurance. Not all insurance companies who sell home insurance also provide the option for high-value home coverage. 

Westfield provides the following options for high-value home customers, as listed by their website:

  • Wespak Estate — Insure your high-value home and your auto with preferred options that are automatically included, such as home equipment breakdown, replacement cost coverage, identity theft and roadside assistance coverage.
  • Estatepak — Insure just your high-value home without including your auto on the same policy.

The carrier also offers the following high-value home coverage options:

  • Home equipment breakdown coverage
  • Replacement cost coverage
  • Identity theft coverage
  • Flood insurance
  • Umbrella insurance

An independent insurance agent can help you find more information about Westfield Insurance's high-value home policies, as well as their many other coverages.

Is Westfield a good insurance company?

With high ratings from both AM Best and the BBB, excellent customer service availability, a user-friendly website, and many glowing customer reviews, Westfield Insurance is indeed a good insurance company.

Westfield Insurance Customer Reviews

Clearsurance
Westfield has always been great to deal with. We have been pleased with our premium payment options. It's quick and easy and notifies me when the debit occurs. Also, very pleased with the claim service when we sustained a water damage claim to our home. The adjuster worked closely with our contractor to get the floor fixed quickly and efficiently.


Clearsurance
I have been a long time Westfield Customer, I had roof damage the required the roof to be replaced. I used a Westfield preferred contractor. There was an issue with the contractor during the repair. Because the contractor was a Westfield preferred contractor I contacted the company and they jumped right in to sure the issue was resolved quickly. I was very impressed as I was getting ready for a huge hassle. My suggestion is use the preferred program if you can... it really made a difference in my situation. Thanks so much to the Claims Team at Westfield. Totally pleased.


Clearsurance
Excellent coverage for the price. I priced them out with several competitors including Chubb and Cincinnati. Superb service so far with any claim. Very friendly people to deal with.


Clearsurance
As a customer for 20+ years, we have had nothing but great experiences with Westfield! Our most recent claim for roof damage was handle swiftly and for the most part while we were out of town on vacation. The Claims professional was outstanding, both flexible and attentive to our needs. Whenever we've had billing questions the Westfield team has thoroughly answered them and quickly helped me make adjustments accordingly. Now, with the MyWestfield customer portal I can manage my account online which is incredibly helpful! Thanks for always taking care of us, Westfield!


Clearsurance
Westfield's premiums are comparable to other companies, however their claims professionals and customer service are A+. We had an auto claim that was handled seamlessly. I could not have asked for an easier experience.


TrustedChoice.com's Final Review

4.5/5 stars

We award Westfield Insurance a final rating of 4.5 out of 5 stars. The insurance company has more than 170 years' worth of experience under their belt, as well as very high ratings from both AM Best and the BBB. They've also got plenty of highly satisfied customer reviews.

The one drawback to Westfield is that not all of their coverage is currently available nationwide. However, the carrier does offer some forms of protection in every state. Overall, if you're in need of any of their insurance products, we highly recommend looking into Westfield Insurance with your independent insurance agent to be your next trusted carrier.

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