If an agent handed you a quote from Westfield insurance, you are looking at one of the oldest carriers in the country. Westfield started in 1848 as a group of Ohio farmers pooling their risk, and it now ranks among the 50 largest property and casualty insurers in the United States. This review covers what Westfield Insurance offers, where it sells, and who it fits, using current facts as of July 2026.
Key facts at a glance
| Detail | Information |
|---|---|
| Founded | 1848 |
| Headquarters | Westfield Center, Ohio |
| Products | Auto, home, business, surety, specialty |
| States | Personal in about 9 states; commercial in about 21 |
| AM Best | A (Excellent) |
| Contact | Claims 800-243-0210, available 24/7 |
Use the table as a quick snapshot. Rates and terms vary by state, product, and your own profile.
What Westfield Insurance Offers
Westfield is a broad property and casualty company. On the personal side, it sells auto and home coverage. On the business side, it writes commercial property, liability, and packages for many industries.
Westfield is also a major player in surety bonds, which it offers in all 50 states, and it runs a specialty division for more complex risks. That range means it can cover a family car, a small shop, or a large contractor's bonding needs.
Where Westfield Insurance Operates
Westfield's reach depends on the product. Personal coverage, such as auto and home, is available in about 9 states. Commercial coverage reaches roughly 21 states, and surety products are sold nationwide.
So the answer to whether Westfield serves your area depends on what you need. A homeowner in one of its core personal states has access, while someone outside that footprint may only find its commercial or surety lines. Like agent-based peers such as Auto-Owners Insurance and Erie Insurance, Westfield sells through independent agents rather than direct to the public.
Compare before you commit
Because Westfield sells through agents and its personal coverage is limited to a handful of states, it helps to see the wider market first and how carriers like Acuity Insurance and Great American Insurance price comparable coverage. Insurify compares quotes from more than 120 providers in one place and says drivers can save up to 50 percent. That gives you a price to hold any agent quote against. Start with Insurify.
Insurify
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How Much Does Westfield Insurance Cost?
Westfield does not publish a single average rate. Your price rests on your location, coverage limits, claims history, the vehicle or property, your credit-based insurance score where allowed, and any discounts you qualify for.
Bundling auto and home, keeping a clean record, and adding safety features can lower the bill. Westfield tends to focus on well-rounded coverage rather than the cheapest possible price. A quote from your agent, set next to an outside comparison, is the best way to judge the value.
Westfield Insurance Financial Strength
Westfield holds an A (Excellent) rating from AM Best, and the company notes it has been rated A or higher since 1934. That grade sits in the upper part of the scale and points to a strong ability to pay claims.
A solid rating signals stability, but it does not guarantee any single claim outcome. For coverage you may keep for years, that long track record is worth weighing.
A fully digital alternative
Agent-based carriers are not the only route. Lemonade is an AI-powered insurer that sells renters, homeowners, pet, life, and car coverage nationwide, often with quotes in minutes through its app. If Westfield does not offer personal coverage in your state, or you simply prefer a digital experience, it is worth a look. See what Lemonade offers.
Lemonade
Lemonade
Insurance that's fast, affordable, and actually feels good. Lemonade uses AI to process claims in seconds and donates leftover premiums to causes you care about. Get renters, home, pet, life, or car insurance — all from one app.
Standout feature
AI claims in seconds. Giveback program donates unused premiums. 2.9M+ customers.
Fees
Varies by policy (renters insurance from ~$5/mo)
Pros
Lightning-fast AI claims processing. Social impact through Giveback program. Beautiful, easy-to-use app (4.9★ App Store).
Cons
Limited home insurance availability (28 states + DC only).
Pros and Cons of Westfield Insurance
Here is a balanced view.
Pros
- A (Excellent) AM Best rating and a track record dating to 1848
- Wide mix of personal, commercial, surety, and specialty lines
- Local independent agents who know your region
- Claims reporting available 24/7
Cons
- Personal coverage is limited to about 9 states
- Sold through agents, not directly online
- May not be the lowest-priced option for basic coverage
Who Westfield Insurance Is Best For
Westfield Insurance fits people in its core states who want a long-established carrier and a local agent. It is a strong choice for small business owners, contractors who need surety bonds, and homeowners who value fuller coverage. Drivers chasing the lowest price, or anyone outside its personal footprint, should compare other insurers like Mercury Insurance first.
What Customers Commonly Report
Feedback about Westfield tends to gather around a few themes. Many policyholders praise their local agents and the handling of claims. Business clients often mention the surety and commercial options. On the other side, some shoppers note that personal coverage is not available in their state, and a few say quotes ran higher than budget carriers. Experiences vary by region and product, so a personal quote is the best guide.
Frequently Asked Questions
Does Westfield Insurance sell coverage in my state?
It depends on the product. Personal auto and home are available in about 9 states, commercial coverage in about 21 states, and surety bonds nationwide. A local independent agent can confirm what Westfield offers where you live.
What is Westfield Insurance's claims phone number?
You can report a claim at 800-243-0210, and the claims line is available 24 hours a day, seven days a week. General customer service keeps daytime weekday hours, so the claims line is your best bet after hours.
Is Westfield Insurance financially strong?
Yes. Westfield holds an A (Excellent) rating from AM Best and says it has been rated A or higher since 1934. That reflects a strong ability to pay claims, though no rating guarantees a specific claim result.
Can I buy Westfield Insurance directly online?
No. Westfield sells through independent agents rather than direct to consumers. An agent gathers your details, explains your options, and provides a quote, and rates and terms vary by state and policy.
