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Westfield

in Boaters Insurance

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Westfield

Unaffiliated

in Boaters Insurance

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Overview

Where does Westfield do business?

Westfield is an insurance carrier with headquarters in Westfield Center, OH. The company was established in 1848 and offers boat insurance in 20 states in the USA.

What types of boat insurance coverage does Westfield offer?

Although we often talk about boat insurance in the singular, it really includes several types of coverage. Westfield offers the following types of coverage:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 

  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another boat or property when at fault in an accident.

  • Fuel Spill Clean-Up: Protects you from cleanup claims or third-party damage caused by the accidental discharge of oil or fuel.

  • Salvage/Wreckage Removal: Some standard insurance policies will subtract salvage costs from the insured value of the boat or only offer a small percentage of the coverage amount for salvage. This endorsement protects from the specific costs and liability that go with a wreckage or salvage.

Westfield also provides access to the following endorsements:

  • Total Loss Replacement: If it's a total loss, this policy will pay you based on the agreed value, actual cash value or the replacement cost value.
  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most policies will also cover funeral expenses.

  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

What benefits does Westfield offer?

Westfield offers the following benefits to its customers:

  • 24/7 Phone Availability: Customer service is staffed around the clock.

What is the financial strength rating of Westfield?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies.  SuperMoney's financial strength rating is based, among other factors, on the average score of available ratings.

Westfield scores an A or excellent, which is SuperMoney's second highest available score.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Available in 20 States
  • Arizona
  • Colorado
  • Delaware
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Kentucky
  • Maryland
  • Michigan
  • Minnesota
  • New Mexico
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Virginia
  • West Virginia
  • Wisconsin

Feature Breakdown

Boaters Insurance
  • Fuel Spill Clean-Up
  • Wreckage Removal
Liability Vehicle Insurance
  • Bodily Injury Coverage
  • Property Damage Coverage
  • Uninsured Motorist
  • Underinsured Motorist
Medical Vehicle Insurance
  • Medical Payments Coverage
  • Personal Injury Protection
Boaters Policy Endorsements
  • Fishing Equipment & Carry-On Items
  • Total Loss Replacement
Vehicle Policy Endorsements
  • Emergency Roadside Service
Financial Strength Rating
  • A
Emergency Roadside Assistance
Carrier Features
  • 24/7 Phone Availability
On-Water Towing and Labor
Available 24/7 by Phone
Medical Payments
Fuel Spill Liability
Total Loss Replacement
Boat Liability

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