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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 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.

#12

Westfield ranked twelfth in Forbes 2024 America’s Best Insurance Companies List

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.

Combine Your Home and Auto Insurance

Many carriers offer home and auto insurance bundles, but Westfield is different. We create a package policy by combining your home and auto insurance into one policy. These standalone policies, called Wespak® and Wespak® Estate, not only save you money but are also personalized to help protect your way of life. You’ll also enjoy the convenience of having one bill. 

Wespak

Get cost-effective home and auto insurance, including replacement cost coverage, extended transportation expense, and loan/lease gap coverage.

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Wespak Estate

Find high-value home insurance with added protection like auto insurance, identity theft coverage, roadside assistance, and much more.

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89%

claims satisfaction rate

“A” Rated (Excellent)

by AM Best since 1934

175+

years of experience

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.

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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
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. 
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Homeowners Insurance

Frequently Asked Questions

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 

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.

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.

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.

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

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.