Homeowners Insurance: Protecting What Matters Most

There’s no place like home. It’s your haven, your sanctuary, and your reward for years of hard work. Protect it with homeowners insurance from Westfield.

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Coverage Overview

What Is Homeowners Insurance?

Homeowners insurance can help you prepare for and bounce back from the unexpected. If your home is damaged in a storm, your belongings are stolen, or a visitor slips and falls on your property, home insurance is there to help. A homeowners insurance policy from Westfield may cover the costs of repairs, replacements, temporary housing, legal fees, and more.

Hear From Our Customers

I have been with Westfield many years and they have been competitive in the renewals and prompt in the claims process. I value the long-term relationship we have with Westfield.
– Jack D., Personal Lines Customer

Westfield Highlights

Get Peace of Mind With Our Homeowners Insurance

Your home is one of the most important investments you’ll ever make. It’s where your story unfolds and where you’ll make memories that will last a lifetime. That’s why Westfield offers home insurance that not only protects the walls, floors, and roof, but also the items and people inside that make your house feel like home. The following coverages are included in all our homeowners policies.

Dwelling

This coverage helps pay to repair or rebuild your home’s structure if it’s damaged by a covered loss. Examples of risks that may be covered include house fires, severe weather and vandalism.

Personal Property

Personal property insurance coverage helps pay you for the items in your home, such as furniture, clothes, and electronics, that are damaged or destroyed by a covered loss.

Personal Liability

Get extra protection in case of negligence that results in someone getting hurt or suffering property damage. For example, if your dog bites a visitor, your policy may help cover the associated costs, including legal fees.

Loss of Use (Additional Living Expense)

If a covered event makes your house temporarily uninhabitable while it’s being repaired or rebuilt, loss of use coverage can help pay for the additional costs you incur, such as hotel stays and meals.

Increased Replacement Cost

The insured value of your home can be less than what it would cost to rebuild it, for example, if building costs have gone up. This provides additional coverage above the insured value of your home.

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Personalize Your Policy

Coverage That’s Tailored to Your Lifestyle

Equipment Breakdown Coverage

When things like a washing machine or HVAC system breaks down, this coverage can help cover the repair or replacement costs.

Identity Theft Coverage

If you become a victim of identity theft, this coverage can help cover costs associated with the recovery process.

Umbrella Insurance

In the event of a large claim against you, this coverage can add an extra layer of financial protection.

Cyber Insurance

If you experience a cyberattack or cyberbullying, this coverage can help financially protect you.

Inland Flood Insurance

When you experience a flash flood or other flooding event, this endorsement can help cover the damage.

Service Line Coverage

When a buried utility line needs repair or replacing, this coverage can help cover the costs.

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WesPak

WesPak brings together home and auto insurance into one package policy for households that want strong protection without unnecessary complexity. With higher limits and practical protections, more is included from the start. And with options like inland flood, identity theft, and cyber coverage, your policy can be shaped to reflect your home and lifestyle.

EXPLORE PACKAGE

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WesPak Estate

WesPak Estate is a premium insurance package designed for high-value home and auto insurance needs. It includes guaranteed replacement cost, elevated liability limits, and coverages such as cyber, equipment breakdown, and water backup — all working together in one policy to help protect your home and everything in it.

EXPLORE PACKAGE

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*These coverages may be added to a homeowners or WesPak policy for an additional fee.

89%

claims satisfaction rate

“A” Rated (Excellent)

by AM Best since 1934

175+

years of experience

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Smart Home Device

Free Ting Electrical Fire Hazard Monitoring

At Westfield, our mission is to enable your peace of mind and financial stability. As part of this ongoing commitment, we’re providing Ting to our homeowner and condo policyholders — at no cost. Ting is a proven smart home technology that plugs into an outlet and helps monitor your home for electrical fire hazards. See how Ting can help protect your family and home from electrical fires.

DISCOVER TING

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Potential Savings

Home Insurance Discounts

There are several ways you can potentially save on your policy with us:

WesPak and WesPak Estate packages
Loyalty discount
Advance quote discount
Alarm and protective device discounts

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H06 Coverage

Condo Insurance

Like homeowners insurance, our condo insurance helps cover your personal belongings, the interior of your unit, injuries on your property that you are found liable for, and temporary living expenses. It’s just the right size for you — no more and no less, just like your condo.

VIEW CONDO COVERAGE

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Coverage for Landlords and Tenants

Renters and Rental Property Insurance

Westfield understands that residential real estate investments can come with unique challenges. Whether you rent out a simple single-family home or one-of-a-kind fourplex, we can help protect your property and financial stability. Westfield also offers renters insurance. If you rent an apartment, condo, or home, we can help protect the belongings you love and worked so hard to acquire.

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MyWestfield®

Your Policy at Your Fingertips

Manage your insurance policy from anywhere, at any time. With MyWestfield, our convenient customer portal, you can:

View your policy summary
Make a payment
Update your billing information
Access your auto insurance ID card
Report and check the status of a claim

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Find a Westfield Agent

Get a Homeowners Insurance Quote

Whether you’re embarking on a new beginning or firmly established in life, we offer flexible coverages to suit every stage of your journey. And our agents are here to help make sure you get the coverage you want — no more, no less.

FIND AN AGENT

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Homeowners Insurance

Frequently Asked Questions

How much does homeowners insurance cost?

Just as all homes are unique, so are the insurance policies that protect them. Your premium is based on many factors, but here are some of the most common ones:

Location and type of weather experienced there
The age of the home and systems
Materials used to build the home
Personal items in the home
Your credit score and other financial factors

What does homeowners insurance cover?

Homeowners insurance typically helps cover:

Your home and other structures, such as a garage or shed
Personal property and belongings
Medical bills if someone is injured at your home
Costs incurred when a covered loss makes your house temporarily uninhabitable

What does homeowners insurance not cover?

While most standard homeowners insurance policies offer coverage for damage caused by fires, lightning strikes, windstorms, and hail, not all natural disasters are covered. You may need to purchase additional coverages to help protect your home and belongings from things like floods and earthquakes.

What is replacement cost coverage?

Replacement cost coverage ensures your home is insured for the full amount it would take to rebuild it exactly as it was, including all the details that make it your special place. This type of coverage meticulously accounts for all potential rebuilding expenses—from materials and labor to fees for architects and designers. It's designed to give you peace of mind, knowing that you're covered for the actual cost of restoring your home to its original condition, should anything happen.

Is homeowners insurance required?

Homeowners insurance isn’t mandated by law, but your mortgage company may require you to show proof of a policy to secure a home loan. Even if you don’t have a mortgage on your property, a homeowners policy is often a valuable investment.

How does homeowners insurance work?

Think of your homeowners insurance as an agreement between you and your insurance provider. Within this agreement, you are required to pay a premium to the insurance company. In return, the insurance company promises to cover a future loss that falls within your agreement, subject to any exclusions, limits, and/or deductibles. If a loss occurs, you simply file a claim, and the insurance company assesses the damage and determines if it’s a covered loss. If it’s covered, your provider will pay for the damage pursuant to your policy’s terms.

How do I get homeowners insurance?

We understand that homeowners insurance is an important purchase. We recommend consulting with a licensed insurance agent in your area — our knowledgeable independent agents can help with homeowners insurance quotes that are tailored to you.

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Homeowners Insurance: Protecting What Matters Most

What Is Homeowners Insurance?

Hear From Our Customers