Westfield Insurance Review & Complaints: Auto, Home & Business Insurance (2024)

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Ohio’s Westfield Insurance is part of a group of companies whose holdings include not just financial subsidiaries, but a country club that is home to a Championship golf course. Writing both personal lines and commercial, and with a strong position in agribusiness as well, Westfield is a growing regional insurer.

What is Westfield Insurance?

Westfield Insurance was founded in 1848 in Westfield Center, Ohio as a farm insurance company. Originally known as The Farmers Mutual Insurance Company in Westfield Center, a few years later the name was changed to Ohio Farmers Insurance Company, a company that still exists as a subsidiary of Westfield today. In 1971, as the company grew, the name Westfield Companies was chosen to encompass all of its operations.

Today the Westfield Insurance Group writes personal and/or commercial lines policies in 21 states and offers surety services in 50 states as well, making them no small player in the insurance industry. Their insurance product range encompasses the basics of personal insurance — auto, home, and umbrella as well as boat insurance — and insurance for a variety of businesses both large and small. The Westfield Group continues to write farm insurance as well and is one of the top companies in that market in the U.S.

Westfield Insurance Group includes the following insurance subsidiary companies:

• Ohio Farmers Insurance Company
• Westfield Insurance Company
• Westfield National Insurance Company
• American Select Insurance Company
• Old Guard Insurance Company

Westfield insurance policies are sold through an independent insurance agent network that numbers in the thousands across the states they serve.

What Westfield Insurance products are offered?

Westfield Insurance sells a range of insurance products, including personal insurance products as well as a range of commercial insurance and agricultural insurance products. The availability of these insurance plans varies by state.

What auto insurance products are offered?

The company offers a basic auto insurance program combining liability with common Westfield car insurance industry options. Available Westfield auto insurance coverage options include extended non-owned liability and loan/lease coverage. The company also offers a roadside service option that provides 24/7 auto coverage anywhere in the U.S. or Canada.

There are additional types of coverage offered as well, such as motorcycle and RV coverage, which can be added to an existing auto insurance policy.

What home insurance products are offered?

Westfield offers homeowners insurance individually and through its Wespak insurance bundles. Homeowner’s policies include structure protection, personal property coverage, and liability coverage along with a list of other features.

Home insurance plans are available for standard single-family homes and condos, and Westfield also offers renter’s insurance for tenants living in apartments or other rental units.

WesPak Insurance Bundles

Westfield’s auto and home insurance bundles are above and beyond the typical bundle. In addition to saving money, these bundles come with additional added features listed below. There are two types of auto/home bundles available:

• Wespak, the basic bundle, combines both policies with a single deductible and single bill.
  • Added coverage with this bundle includes trip interruption and replacement cost coverage on top of the standard features of each policy.
  • In addition to all of the other added coverage, this bundle also includes equipment breakdown coverage.

What additional insurance options are there?

Boat Insurance

Westfield Insurance offers comprehensive boat insurance policies including liability and damage protection. These policies, however, are only available as an add-on to an existing Westfield Insurance home or a bundle policy.

Umbrella Insurance

Up to $1 million in additional liability coverage is available through the Westfield Umbrella policy. This coverage goes above and beyond the limits when compared to similar policies.

Business Insurance

Westfield Insurance writes business insurance for companies of all sizes. Their selection includes the following business insurance coverages:

• Business liability
• Worker’s Compensation
• Property Coverage
• Commercial Auto Insurance
• Surety Bonds
• Employment Practices Liability
• Data Compromise
• Equipment Breakdown
• Commercial Umbrella Insurance

These are available in varying forms of combined policies for any business owner. Westfield has package programs for a variety of industries including:

• Contractors
• Health Care/Medical
• Hospitality/Hotel/Restaurant
• Manufacturing
• Real Estate

Agribusiness

Westfield’s background is in farm insurance, and they continue to offer those policies today. Additionally, they offer coverage for several other types of agribusiness, such as:

• Vineyards and Wineries
• Commercial Agribusiness
• Horse Insurance

Are Westfield Insurance prices and premiums affordable?

Personalized quotes are currently only available through an independent insurance agent. The website directs visitors to enter basic information in order to be directed to a local agent to obtain premium information. As a result, there is not a quick way to compare rates from Westfield with other companies.

As an agent-driven company, rates are likely a little higher due to the need to pay commissions. Westfield does offer customers the option to bundle the various types of insurance offered, which is a good way to bring down rates and is likely to make them more competitive for those looking to insure both their vehicle and home.

How are claims handled?

Insurance claims can be reported to Westfield either through an agent, by calling their 24-hour claim service phone line, or by email. Auto glass claims can be filed directly online, or via a separate phone line. There is a third line for roadside assistance.

Westfield Insurance attempts to have a claims professional contact the insured within 24 hours of the claim being submitted. They also promise fast processing times and quick settlements. Their website has a clear explanation of the claims process.

There are claims offices throughout the area where Westfield writes insurance, designed to help expedite claims.

Is customer feedback positive?

Westfield has an A+ rating with the BBB and shows a total of 19 complaints from Westfield insurance customers in the past three years, with three of those closed in the past 12 months. This is a relatively low number of customer complaints for a company of this size.

There are some negative Westfield Insurance reviews out there, mostly pertaining to billing issues and unsatisfactory claims handling. These are fairly common for insurance companies, and they do not appear in enough numbers to be of serious concern when considering the company’s overall amount of customer satisfaction.

There are also several positive Westfield Insurance reviews, always encouraging to see with an insurance company given the fact that people are far less likely to write a customer review when they are happy than when they are unhappy with a company.

What is the company’s financial strength?

Delve Into Westfield Insurance’s Claims Process

Ease of Filing a Claim

Westfield Insurance offers multiple options for filing a claim, making it convenient for policyholders. Claims can be filed online through their website, over the phone by calling their 24-hour claim service phone line, or even via email.

Auto glass claims have a dedicated online filing option. This variety of methods ensures that policyholders can choose the most convenient way to report a claim.

Average Claim Processing Time

Westfield Insurance strives to provide efficient claim processing. They aim to have a claims professional contact the insured within 24 hours of receiving the claim. Their commitment to fast processing times and quick settlements is designed to minimize any disruptions for policyholders during the claims process.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is generally positive when it comes to Westfield Insurance’s handling of claims. With an A+ rating from the Better Business Bureau (BBB) and a relatively low number of customer complaints for a company of their size, Westfield has demonstrated a commitment to resolving claims satisfactorily.

While some negative reviews exist, they are mostly related to billing issues and unsatisfactory claims handling, which are common concerns in the insurance industry.

Digital and Technological Features for Westfield Insurance

Mobile App Features and Functionality

Westfield Insurance offers a mobile app that provides policyholders with convenient access to their insurance information. The app includes features such as policy management, claims reporting, and digital ID cards. Policyholders can easily view and update their policies, report claims, and access important documents right from their mobile devices.

Online Account Management Capabilities

Policyholders can manage their insurance policies and accounts online through Westfield’s website. This online account management system allows users to make payments, review policy details, request policy changes, and track claims. It provides a user-friendly platform for policyholders to have control over their insurance accounts from anywhere with internet access.

Digital Tools and Resources

Westfield Insurance offers a range of digital tools and resources to assist policyholders. These resources may include educational materials, safety tips, and interactive tools designed to help customers better understand their insurance coverage and make informed decisions.

Westfield’s commitment to digital innovation enhances the overall customer experience. Whether you’re interested in their claims process or their digital features, Westfield Insurance aims to provide a seamless and efficient experience for their policyholders.

What’s the bottom line?

Is Westfield a good insurance carrier for you?

Westfield offers a fairly good range of products, and their auto/home bundles are definitely a value-added program that offers more than the average insurance bundle. As an agent-driven company, however, they are likely to be somewhat more expensive than similar direct-buy companies.

Their reputation seems fairly solid, with little of major concern in the reviews, however, it is difficult to compare rates given the lack of online quoting. As a result, Westfield may be worth comparison but may also lose the attention of those looking to get fast and easy quotes.