Westfield Insurance review 2021

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Westfield Insurance is a company known throughout the Midwest as one of the largest non-public companies in Ohio and the largest employer in Medina County. It takes pride in community relationships, as evidenced by its small service area of just 10 states for personal insurance. For commercial insurance, that reach expands to 21 states. There is personal, business, farm and agribusiness insurance.

With excellent customer service ratings, Westfield Insurance is recognized for its hands-on agents who work closely with customers to personalize the insurance experience.
It also receives strong financial ratings from AM Best, consistently receiving Excellent scores since 1934.

Westfield car insurance

Westfield offers flexible insurance coverage for cars, trucks, sport utility vehicles, recreational vehicles, boats and motorcycles.

Coverage

  • Liability
  • Collision
  • Comprehensive
  • Medical payments
  • Personal injury protection
  • Loan/lease gap coverage
  • Trip coverage
  • Replacement cost coverage
  • Uninsured and underinsured motorist coverage
  • Umbrella coverage

Additional coverage options include:

  • Antique auto
  • Towing and emergency assistance costs
  • Auxiliary watercraft
  • Liability for fuel spills
  • Custom parts and equipment
  • Helmets and other safety gear

Cost of Westfield car insurance

The cost of auto insurance is different for every driver. The price you pay depends on several rate favors, such as where you live, the car you drive and your driving record. The average annual cost of car insurance in the United States is $1,674 per year for full coverage. This is slightly more expensive than the average annual rates for Westfield full coverage car insurance, which are provided by Quadrant Information Services.

Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
$289 $1,522

Discounts

Westfield does not advertise specific discounts as do many other insurance companies. Instead, it focuses heavily on the benefits of bundling auto and home insurance with a Wespak plan. You are most likely to save money with Westfield auto insurance if you work with an agent in your area, who can guide you towards the right policy for your insurance needs.

Westfield home insurance

Westfield homeowners insurance covers a range of dwellings from condos to high value homes, and they also offer renters insurance.

Coverage

  • Fire
  • Theft
  • Disaster
  • Personal liability
  • Belongings
  • Accidental injury to a visitor

Additional coverage options available through Wespak bundling:

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

Discounts

Westfield home insurance does not have typical discounts often associated with home insurance, but instead offers preferred options when you bundle home and auto. You can work with an agent to develop a plan that offers personalized plans and coverage based on the vehicles and properties that you own.

Westfield ratings, reviews, customer complaints and satisfaction

Although Westfield insurance is a smaller organization, it rates well in financial strength and customer satisfaction. Westfield has been highly rated by the Better Business Bureau (BBB), AM Best and J.D. Power’s study of auto insurers in their region.

Westfield Insurance ranking 3rd Party rating organization
A AM Best
#1 Customer Satisfaction J.D. Power study among auto insurers in the North Central region

Westfield insurance reviews set this company apart from others in terms of customer service. Because this insurance company is regional rather than national, it focuses on meeting the needs of its specific communities.

Westfield is not likely to be the cheapest insurance option, especially because it does not offer much in the way of discounts, but it adds value to its insurance coverage by its dedication to customer service. Westfield insurance agents work with customers on every step from policy research and writing to filing claims.

If you are looking for cut rate insurance, you may want to look elsewhere, but if you want a tailored customer experience in the upper Midwest, reach out to a Westfield agent.

Top reasons to consider Westfield

If you live in Westfield’s territory, and you are looking to bundle your home and auto insurance, you may like the benefits offered in their Wespak bundle.

It offers a wide range of insurance options for all of your motorist hobby activities, and the coverage even includes things like your fishing gear, custom motorcycle parts and equipment, helmets and other safety gear. If you need to insure your boats and RVs in addition to your home and car, Westfield agents will work to keep you covered on the road, off the road, or on the water.

Westfield delivers its products and services through independent agents. Customers will need to work closely with agents to get quotes and make changes to policies. This service helps customers to personalize their insurance plans, but it does prevent customers from working independently online. This service may be an asset to customers who like personal communication, but other customers may find it inconvenient.

Customers who own a business or make their livelihood through farming may also be satisfied with Westfield insurance. Agribusiness investments can be especially high risk, but Westfield specializes in supporting farmers and has done so for decades. Westfield agents can work with business or farm-owning customers to develop plans that best meet their individual needs.

Additional policies offered by Westfield

  • Business insurance
  • Farm
  • Agribusiness
  • Surety bonds with full-service and competitive rates

Frequently asked questions

How do I contact an independent agent?

Westfield wants to connect you with knowledgeable insurance agents in your area, so you should navigate to its agent search page and provide your ZIP code. You will receive a list of local agencies with whom Westfield works. You will also get contact information for those agents and a list of the services that they provide.

Can I get the Wespak bundling benefits if I don’t own a home?

Yes, you can combine your renters and auto insurance under one policy and take advantage of the Wespak perks including paying just one bill and one deductible with their Wespak policy. This benefit can help you save time and money whether or not you own your home.

What support does Westfield provide for agribusiness?

Westfield offers coverage on 45 types of farms and supports a variety of services including veterinary care, activities for animal production, citrus harvesting, farm labor contracts and custom farming/harvesting. Farming customers can work with an agent to customize their insurance plans for their farm.

How does Westfield support its Surety bond holders?

Westfield is licensed in all 50 states for Surety bonds, and they have 25 regional offices staffed by experienced Surety professionals. Westfield agents can create customized Surety solutions to support customers, and it has an in-house professional Surety Claims team for loss mitigation and contract assistance.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Written by
Mary Blowers
Insurance Contributor
Mary Blowers is a freelance writer who specializes in education, travel, and money management. Mary is published on sites like Top Management Degrees, Safety.com, Bankrate, Reviews.com, Million Mile Secrets, and My Move.
Edited by
Insurance Editor