Last Updated: 04/18/2025
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Community Rating
Strongly recommended
Financial Strength Rating
A(Verified 04/18/2025)
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Westfield Home Insurance Review
Westfield Home Insurance is an insurance carrier based in Westfield Center, OH. The company was founded in 1848 and offers home insurance in 10 states in the USA.
Westfield Home Insurance FAQ
What is the financial strength rating of Westfield Home Insurance?
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 from available ratings.
Westfield Home Insurance scores an A or excellent financial strength rating, which is SuperMoney's second highest available score.
What types of coverage does Westfield Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Westfield Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Medical Payments to Others:
This helps cover the medical costs of visitors who are injured on your property. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This coverage protects the items in your home, like your furniture. If they're damaged or stolen, personal property coverage could help you cover the cost of replacing them.
Loss of Use Coverage:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
Westfield Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage (state-dependent):
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Equipment Breakdown Protection:
This protects from loss due to a mechanical or electrical breakdown of nearly any type of equipment, including photocopiers and computers. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Sewage and Drain Backup Coverage:
This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
Watercraft Coverage:
This rider provides protection from liability and damages caused by a boat. This may be enough if you have a small boat or if you only use it on your property. However, you may want to consider a separate boat insurance policy for larger boats and longer trips.
How can you save money on a Westfield Home Insurance home insurance policy?
These are the property-specific discounts currently available.
- Alarm System
- Home Security or Protective Devices
- Recent Home Improvements / New Roof
- Deadbolt Locks on Exterior Doors
- Fire Extinguisher in the Home
- Home Monitoring System
- Fire Hydrant within 1,000 Feet
- Fire Station within 5 Miles
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Westfield Home Insurance.
What additional benefits does Westfield Home Insurance offer?
Westfield Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
Digital Claims Reporting:
Never fax or mail a document again.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
SundayClosedMonday8:00AM - 8:00PMTuesday8:00AM - 8:00PMWednesday8:00AM - 8:00PMThursday8:00AM - 8:00PMFriday8:00AM - 8:00PMSaturdayClosed
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Availability
Available in 10 states.
- Illinois
- Indiana
- Iowa
- Kentucky
- Michigan
- Minnesota
- Ohio
- Pennsylvania
- Tennessee
- West Virginia
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
Westfield Home Insurance Community Reviews
Would you recommend Westfield Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
Wawanesa Home Insurance has been a lifesaver for my family. I love how they offer 24/7 customer service and their website is so easy to navigate! The claims process is seamless, the customer service was superb, and they handled everything from start to finish.
RG
Rachiel G.
Oct 16, 2022
May or may not recommend
Westfield Home Insurance is so amazing! What I like about it is you will only pay for the coverage that you need. Very satisfied with their Customer Service because they are available 24/7 and very welcoming to help and what makes me amazed is about all of their discounts that you can get.
SH
Steven H.
May 3, 2022
May or may not recommend
Westfield Home Insurance is one of the best there is. Their customer service is phenomenal, not to mention all of the discounts you can get, and the amount of coverage you get for watercraft, sewage, valuable items, etc. They're the clear choice for home insurance in my opinion.
Celeste D.
Jan 18, 2022
May or may not recommend
Wawanesa Home Insurance has been a lifesaver for my family. I love how they offer 24/7 customer service and their website is so easy to navigate! The claims process is seamless, the customer service was superb, and they handled everything from start to finish.
SH
Sally H.
Apr 10, 2021
May or may not recommend
All I've talked with has been extremely informative and polite, and the online experience is fantastic. I'm completely blown away.
Showing 5 of 5 reviews