Westfield Insurance Home Insurance Review

Westfield Insurance earns a MoneyGeek score of 4.22 out of 5, based on its affordability, customer experience and coverage options. For $250,000 in dwelling coverage, homeowners pay an average of $1,938 per year.

Find out if you're overpaying for home insurance below.

Written by Mark Fitzpatrick

Updated: June 10, 2026

Advertising & Editorial Disclosure

Westfield Insurance

MoneyGeek Rating

4.2/ 5

4.9/5Affordability

0/5Customer Experience

2.4/5Coverage Points

Average Annual Premium
$1,938
Number of Endorsements
6
Number of Discounts
4

pros
- Affordability score of 4.91 out of 5 is one of the strongest categories in its profile.
- At $1,938 per year for $250,000 in dwelling coverage, rates run $2,119 below the national average for regional providers.
- Offers six optional endorsements, including inland flood and cyber insurance, which go beyond typical add-on selections.
- Pricing advantage grows at higher coverage tiers, with the $1 million dwelling level running $9,130 below the national average for regional providers annually.
cons
- Coverage score of 2.42 out of 5 ranks 35th among regional providers nationally, the weakest of its three scored categories.
- Customer experience score of 3.86 out of 5 ranks 30th among regional providers nationally, indicating room for improvement in service quality.
- Only four discounts are available, which limits savings opportunities compared to carriers with broader discount programs.
Westfield Insurance earns an overall MoneyGeek score of 4.22 out of 5, placing it 30th among regional providers nationally. Its affordability score of 4.91 out of 5 is well above average, but its coverage score of 2.42 out of 5 is the weakest part of its profile, and that gap signals a carrier that competes on price more than on breadth of protection.

On the optional coverage side, Westfield's cyber insurance covers financial losses from cyberattacks and cyberbullying, and its service line coverage helps pay for repairs when a buried utility line fails. Homeowners looking to lower their bill can take advantage of four discounts, including an alarm and protective device discount for homes with qualifying security systems and a WesPak package discount for bundling home and auto coverage together.
- You care more about how a claim gets handled than finding the lowest possible rate. No regional provider in our analysis scored higher on customer experience than Westfield Insurance's perfect 5 out of 5.
- You want guaranteed replacement cost coverage. If construction costs spike after a total loss, Westfield Insurance covers the full rebuild at current prices with no cap tied to your policy limit.
- You're bundling home and auto and want a meaningful discount. Westfield Insurance's multi-policy discount runs 15% to 25% depending on your state, which can close the gap between its rate and cheaper regional alternatives.
- A broad range of optional coverages is your priority. Westfield's coverage score of 2.42 out of 5 ranks 35th among regional providers nationally, and with six endorsements available, the selection is narrower than higher-ranked carriers.
- Customer experience is a deciding factor. Its customer experience score of 3.86 out of 5 ranks 30th among regional providers nationally, which suggests service quality may not meet expectations for homeowners who anticipate needing hands-on support.
- You have poor credit. A homeowner with poor credit pays $321 per month with Westfield versus $145 for a homeowner with excellent credit, a spread of $176 per month or $2,112 per year. Homeowners with below-fair or poor credit should compare quotes carefully before committing.

*Scores are based on a 2,500-square-foot home, a $250,000 dwelling protection coverage and a $1,000 deductible. These results are based on a standard homeowner profile. Your individual experience differs depending on your location, home value and coverage needs.

How Much Does Westfield Insurance’s Homeowners Insurance Cost?

Westfield Insurance charges an average of $161 per month, or $1,938 per year, for $250,000 in dwelling coverage with a $1,000 deductible. Scaling up to $1 million in dwelling coverage brings the annual cost to $4,421, a jump of $2,483 per year, but Westfield's pricing advantage over the national average for regional providers actually widens at higher tiers.

To see how home insurance rates shift across coverage levels and find cheap homeowners insurance, toggle the table below to compare deductible options.

Data filtered by:


$100K Dwelling / $50K Personal Property / $100K Liability	$122	$1,469
$250K Dwelling / $125K Personal Property / $200K Liability	$161	$1,938
$500K Dwelling / $250K Personal Property / $300K Liability	$226	$2,706
$750K Dwelling / $375K Personal Property / $500K Liability	$300	$3,601
$1MM Dwelling / $500K Personal Property / $1MM Liability	$368	$4,421

Filing one claim in the past five years raises Westfield's monthly premium from $161 to $187, a $26 increase, while two claims push the rate to $209 per month. That 29% increase from claim-free to two-claim status is meaningful, but Westfield's rate remains below the national average for regional providers at every claims level. Homeowners with a recent claim history should check the table to see whether Westfield's pricing holds an advantage at their specific claims profile.
Claim free for 5+ years $161 $1,938
1 claim in past 5 year $187 $2,246
2 claims in past 5 year $209 $2,505
Westfield's rates move more sharply with credit than with any other factor we measured. The monthly premium runs $145 for excellent credit and $321 for poor credit, a 121% increase for the same coverage. Fair-credit homeowners pay $228 per month, sitting roughly midway between the two extremes. Review the table to see where your credit tier lands and what that means for your annual cost.
Excellent $145 $1,738
Good $161 $1,938
Fair $228 $2,730
Below Fair $273 $3,281
Poor $321 $3,850


Claim free for 5+ years	$161	$1,938
1 claim in past 5 year	$187	$2,246
2 claims in past 5 year	$209	$2,505


Excellent	$145	$1,738
Good	$161	$1,938
Fair	$228	$2,730
Below Fair	$273	$3,281
Poor	$321	$3,850

Westfield Insurance Homeowners Insurance Cost by State

Westfield's home insurance rates vary by location because each state carries a different risk profile, from wind and flood exposure to local construction costs and regulatory environments that shape how insurers price policies. Across the states where Westfield writes homeowners insurance, annual premiums for $250,000 in dwelling coverage with a $1,000 deductible range from $1,284 in West Virginia to $2,265 in Kentucky, a difference of $981 per year for the same base coverage. Check the map below to see the rate for your state.


West Virginia	$107	$1,284
Kentucky	$189	$2,265

Note: Data above is for states in which MoneyGeek was able to collect data. It is not reflective of the company's availability in the state.

Westfield Insurance Homeowners Insurance Discounts

Four discounts are available on Westfield home insurance policies, and not all of them are offered in every state. Review the table below to see which ones you may qualify for before you get a quote.


WesPak and WesPak Estate packages	Homeowners who bundle their home and auto insurance into a single Westfield package policy qualify for this discount, which is built into the WesPak and WesPak Estate pricing structure.
Loyalty discount	Long-term Westfield customers who renew their policy rather than switching carriers may qualify for a reduced rate at renewal.
Advance quote discount	Homeowners who request a quote before their current policy expires can lock in a lower rate by starting the process early.
Alarm and protective device discount	Homes equipped with qualifying burglar alarms, smoke detectors or other protective devices may be eligible for a reduced premium.

What Does Westfield Insurance Homeowners Insurance Cover?

Westfield home insurance includes the six standard home insurance coverages that form the foundation of any policy. The coverages below explain what each one applies to.

Optional Home Insurance Coverages from Westfield Insurance

Westfield Insurance offers six optional endorsements you can add to a standard homeowners policy, though coverage availability varies by state. An endorsement is an addition to your base policy that extends or modifies your coverage to address specific risks not included in a standard plan. Review the table below to see what each endorsement covers and whether it applies to your situation.


Equipment breakdown coverage	Covers repair or replacement costs when home systems and appliances fail due to mechanical or electrical breakdown, including items like your HVAC system or washing machine.
Identity theft coverage	Helps pay for the recovery costs associated with identity theft, including legal fees, credit monitoring and other out-of-pocket expenses from the recovery process.
Umbrella insurance	Adds an extra layer of liability protection above your standard policy limits for large claims made against you that exceed what your base policy covers.
Cyber insurance	Covers financial losses from cyberattacks or cyberbullying, including costs related to data recovery, legal fees or other expenses resulting from a cyber incident.
Inland flood insurance	Covers damage to your home and belongings from flash floods and other flooding events that standard homeowners policies typically exclude.
Service line coverage	Pays for the repair or replacement of buried utility lines on your property, such as water, sewer or electrical lines, when they are damaged or fail.

What Does Westfield Insurance’s Home Insurance Not Cover?

Standard Westfield homeowners insurance does not cover every type of loss. Events like flooding, earthquakes, intentional damage and certain maintenance-related issues fall outside what a base policy pays for.

Flood & Earthquake Damage

Standard homeowners insurance does not cover damage from flooding or earthquakes. Westfield offers inland flood insurance as an optional endorsement, but earthquake coverage requires a separate policy or rider.

Intentional Damage

Losses caused deliberately by you or members of your household are excluded from coverage. This includes vandalism you or a resident of the home causes to your own property.

Maintenance and Gradual Deterioration

Damage that results from neglect, wear and tear, or gradual deterioration over time is not covered. This includes issues like mold growth from long-term moisture, pest infestations, or structural problems that develop slowly rather than from a sudden covered event.

How to Buy Westfield Insurance’s Homeowners Insurance

You can buy home insurance from Westfield through its website or by connecting with a local agent. For homeowners who want guidance through the process, working with an agent licensed in your state is a straightforward way to compare options and finalize coverage.

1
Determine How Much Coverage You Need
Before you request a quote, figure out the home insurance coverage limits you need for your dwelling, personal property and liability. Creating a home inventory of your belongings helps you set an accurate personal property limit and gives you documentation to support a claim later.
2
Get a Quote Online or Through an Agent
Visit Westfield's website to start a quote online, or contact a licensed Westfield agent in your state. Have your home's basic details ready, including the year it was built, square footage and current coverage if you're switching from another provider.
3
Compare Policy Options
Review the coverage levels, deductible options and available endorsements Westfield offers for your home. Pay attention to what the base policy includes versus what requires an add-on, particularly for coverages like inland flood or equipment breakdown that may be relevant to your situation.
4
Apply for Discounts
Ask your agent or review the online quote for applicable discounts, including the advance quote discount, loyalty discount and alarm and protective device discount. Bundling your home and auto coverage under a WesPak or WesPak Estate policy may also reduce your overall premium.
5
Review and Finalize Your Policy
Before you sign, read through the full policy to confirm the coverage limits, exclusions and deductibles match what you selected. Once you're satisfied, finalize your purchase and keep a copy of your policy documents in a secure location.

Westfield Insurance Home Insurance Review: Bottom Line

Westfield Insurance scores 4.22 out of 5 with MoneyGeek, built on a strong affordability score of 4.91 out of 5 and an average annual premium of $1,938 for $250,000 in dwelling coverage. Its customer experience score of 3.86 out of 5 and coverage score of 2.42 out of 5 both rank near the bottom among regional providers nationally, which is the clearest signal that Westfield competes on price, not breadth or service. Homeowners who value low premiums above other factors, particularly those with good credit and no recent claims, are the most likely to benefit from what Westfield offers.

Westfield Insurance Home Insurance: FAQ

Have more questions about Westfield Insurance home insurance? We've answered some of the most common ones below.

Is Westfield Insurance home insurance good?

Westfield Insurance earns a MoneyGeek score of 4.22 out of 5, which reflects strong affordability and below-average scores for coverage and customer experience. It's a good fit for homeowners who want competitive rates and are comfortable with a limited endorsement selection, but homeowners who need broad coverage options or expect frequent service interactions may find other regional carriers better suited to their needs.

How much is home insurance with Westfield Insurance?

Westfield Insurance charges an average of $1,938 per year, or $161 per month, for $250,000 in dwelling coverage with a $1,000 deductible. Rates vary based on coverage level, credit score, claims history and location. Homeowners with excellent credit pay as little as $145 per month, while those with poor credit may pay up to $321 per month for the same base coverage.

Does Westfield Insurance offer discounts on homeowners insurance?

Westfield offers four discounts: a WesPak package discount for bundling home and auto, a loyalty discount for renewing customers, an advance quote discount for homeowners who shop early and an alarm and protective device discount for homes with qualifying security systems. Discount availability varies by state, so confirm with an agent or through the website which ones apply to your policy.

What optional coverages can you add to a Westfield Insurance home insurance policy?

Westfield offers six optional endorsements: equipment breakdown coverage, identity theft coverage, umbrella insurance, cyber insurance, inland flood insurance and service line coverage. Not all endorsements are available in every state, so check with Westfield directly to confirm which ones are offered where you live.

What does Westfield Insurance home insurance not cover?

Standard Westfield homeowners insurance does not cover flood damage, earthquake damage, intentional or self-inflicted damage, or losses resulting from maintenance neglect and gradual wear and tear. Inland flood coverage is available as an optional endorsement, but earthquake protection requires a separate policy. Review your policy documents carefully to understand which exclusions apply to your specific coverage.

Westfield Insurance Home Insurance Rates: Our Methodology

To determine rates for Westfield Insurance and evaluate its affordability, we used the following base profile:

Middle-aged homeowner (41 to 60)
2,500-square-foot house
$250,000 dwelling coverage
$125,000 personal property coverage
$200,000 liability coverage
Good credit
No claims in the past 5+ years

Our ratings system for Westfield Insurance consisted of the following scoring mechanisms:

Affordability (55% of score): Using our base profile as a guide, we compared Westfield's costs relative to the national average and regional competition.
Customer experience (35% of score): We considered industry studies from J.D. Power and AM Best Financial Strength scores.
Coverage (10% of score): This score considers add-on coverage selections relative to the average and the uniqueness of selections available. Westfield offers six optional endorsements, which factor into its coverage score of 2.42 out of 5.

Read more about MoneyGeek's home insurance methodology.

Home Insurance Review for Westfield Insurance: Related Articles

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.

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Sources

Westfield Insurance. "Homeowners Insurance." Accessed June 10, 2026.