West Bend Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's West Bend Insurance Company Score
4.5 Stars
We award West Bend Insurance Company a final rating of 4.5 out of 5 stars. West Bend has been in the insurance industry for more than 130 years and is highly rated by AM Best and the Better Business Bureau (BBB).
The carrier provides 24/7 claims reporting for its customers and works with independent insurance agents. West Bend also provides other modern customer service features such as a mobile app and a match with an agent online option. The insurance company also fully resolves and pays out some of its claims within just 24 hours.
West Bend Insurance Company was established in 1894. The carrier offers several coverage options for individuals and businesses, including auto insurance, homeowners insurance, crime insurance, motorcycle insurance, identity theft insurance, and more. The insurance company is headquartered in West Bend, WI. Coverage is currently only available in 15 states.
It’s easy to spot plenty of glowing feedback for the carrier across the web, with many satisfied reports from customers detailing pleasant experiences with their coverage and in dealing with West Bend directly. Further, the carrier provides many competitive discounts on their coverages. All together, we say if you’re located in an area where coverage is available, be sure to look into West Bend with your independent insurance agent as an excellent option for your next trusted carrier.
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West Bend Insurance Products by Type
West Bend offers a variety of coverage solutions for individuals and businesses. Its products include the following:
Home & Property Insurance:
- Personal umbrella insurance
- Identity theft insurance
Vehicle & Auto Insurance:
- Auto insurance
- Motorcycle insurance
- Watercraft insurance
- Camper insurance
- Snowmobile insurance
- Golf cart insurance
- ATV insurance
- RV insurance
Business Insurance:
- Commercial property insurance
- General liability insurance
- Commercial auto insurance
- Workers' compensation insurance
- Equipment breakdown insurance
- Crime insurance
- Commercial umbrella insurance
- Cyber insurance
- Errors & omissions insurance
- Employment practices liability insurance
- Directors & officers insurance
- Surety bonds
West Bend Homeowners Insurance
West Bend offers all the standard homeowners insurance options you'd expect, including liability, contents, dwelling, and loss of use coverage. The carrier also offers guaranteed replacement cost coverage, which can pay to replace your home if it's declared a total loss, even if the cost is higher than your policy limits.
Policyholders also have the option to list valuable pieces of personal property, like artwork, jewelry, and collectibles, for higher coverage limits. West Bend offers a few additional coverage enhancement options, which are detailed below.
Coverage types, features, and benefits:
Underground service line
West Bend offers optional coverage for underground home service lines in case of damage or destruction by a covered cause.
Water backup
West Bend offers optional coverage for water backup that causes damage or destruction to the home's structure or personal property stored in the home.
Pet AID
West Bend offers optional coverage for homeowners whose cats or dogs suffer sudden and accidental direct injury or death by a covered cause such as fire, lightning, or explosions.
West Bend Homeowners Insurance Average Prices
West Bend is known for offering affordable home insurance coverage. West Bend was found to be the cheapest home insurance company in Wisconsin, offering coverage for an average of just $820 per year.
Only one additional Wisconsin home insurance carrier we compared was found to offer rates in the $800 range, and all others had average premiums above $1,000. Here are some average West Bend home insurance rates by home insurance customer type in Wisconsin.
West Bend Average Home Insurance Rates in Wisconsin by Customer Type
| Customer type | Average annual home insurance premium |
|---|---|
| Standard | $820 |
| Poor credit | $1,324 |
| Older home | $174 |
| Prior claims history | $1,111 |
What Discounts Does West Bend Offer?
West Bend offers several competitive discounts on its coverages. The carrier's home insurance and car insurance discounts include the following:
- Anti-lock brakes (ABS) discount: Offered to car insurance customers whose vehicles are equipped with ABS.
- Multi-car discount: Offered to car insurance customers who insure more than one vehicle through West Bend.
- Safe and accident-free drivers discount: Offered to customers who remain accident-free for a certain amount of time.
- New and updated homes discount: Offered to home insurance customers whose homes are of brand-new construction or have recently been updated.
- Good student discount: Offered to car insurance customers who have an insured student on their policies who maintains a good grade average, typically of “B” or higher.
- Protective devices discount: Offered to car insurance customers who install protective devices in their homes to help prevent break-ins.
- Specialized construction materials or methods discount: Offered to home insurance customers whose homes were constructed with certain materials or built in a way meant to reduce the chance of damage, deterioration, and destruction.
- Resident student discount: Offered to car insurance customers who have insured students on their policies who are away at school.
- Professional group memberships discount: Offered to customers who belong to various professional groups and organizations, including AARP and more.
An independent insurance agent can provide better discount information and premium quotes for coverage through West Bend Insurance Company. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
West Bend Customer Service
West Bend allows its customers to file claims over the phone anytime. The carrier provides the following customer service options and availability:
- Phone
- Fax
- Snail mail
- Online contact form
- Online bill pay
- Mobile app available
- 24/7 phone claims reporting
The customer service department has the following hour restrictions:
| Days | Hours (CST) | ||
| Monday-Friday | 8 a.m.-4:30 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you so you can relax and enjoy your coverage.
Connect with a West Bend Agent Today.
Shopping for insurance? West Bend has you covered.
West Bend Insurance FAQs
West Bend allows customers to file claims at any time over the phone or online. The carrier’s official website states that some claims can be fully resolved and paid within 24 hours of filing.
West Bend’s phone department for customer service inquiries is available at standard hours on weekdays. However, the insurance company allows customers to file claims over the phone 24/7. The carrier also has a comprehensive social media presence on Facebook, X, Instagram, YouTube, Pinterest, and LinkedIn, which makes it even more accessible to customers.
West Bend allows customers to file claims through a couple of different mediums. The carrier’s official website does not give much detail about their claims process beyond how to file, and that customers will be guided through the claims process when speaking to a representative.
West Bend’s website is easy to navigate. Customers can quickly locate important information. However, the carrier would benefit from adding a broken-down claims process to its website.
The insurance company offers several modern customer service features such as a mobile app, 24/7 phone claims reporting, online bill pay, and find an agent online. The carrier works with independent insurance agents to ensure its customers have the best overall experience. West Bend also has an active presence on social media, overall making for a highly user-friendly experience.
West Bend provides several coverages for individuals and businesses, including identity theft insurance. The carrier’s identity theft insurance comes with the option to add the Identity Protection Program for a small additional premium.
The program features the following protective services:
- Email compromise assistance
- Social media compromise assistance
- Phishing assistance
- Device compromise assistance
- Data breach assistance
Your independent insurance agent can help you find even more information about West Bend’s identity theft insurance and Identity Protection Program, as well as its many other insurance products and services.
West Bend has been around for more than 130 years and is highly rated by AM Best and the BBB. West Bend provides a good selection of coverage options for individuals and businesses. The carrier also provides a user-friendly experience for its customers and works with independent insurance agents. Overall, West Bend has certainly earned the reputation of being a good insurance company.
West Bend's insurance products may be right for individuals and professionals located within the 15 states where coverage is currently available. Many types of coverage are sold by West Bend, including home insurance, auto insurance, commercial auto insurance, motorcycle insurance, crime insurance, and more.
West Bend offers home insurance at an average rate of $820 per year in Wisconsin, which is cheaper than any other carrier we compared. West Bend is known for being an affordable home insurance company.
https://www.thesilverlining.com/about-us
https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=964
https://www.bbb.org/us/wi/west-bend/profile/insurance-companies/west-bend-insurance-company-0694-23001455
https://www.policygenius.com/homeowners-insurance/wisconsin/