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replacement cost

replacement cost

When you buy insurance, the hope is that you’ll never have to use it. But should something happen, like a fire or a tornado, you want the comfort of knowing that your home policy would pay the cost to rebuild your home.  

At Westfield, we offer replacement cost dwelling coverage  with our home insurance policies. Replacement cost dwelling coverage provides additional coverage above the insured value of your home.  

Why Get Replacement Cost Dwelling Coverage?

Sometimes, the insured value of your home can be less than what it would cost to rebuild it. Maybe building costs have gone up since you bought your home .

If a home policy only pays up to the insured value of your home, that could leave you in a bind if your home is destroyed. Not only are you dealing with the emotional trauma of losing your home, but you’re also left to deal with the financial fallout of figuring out how to replace it.

Replacement cost dwelling coverage varies depending on the type of policy you have with Westfield.

  • Our Wespak Estate policy includes guaranteed replacement cost coverage, which is the cost to rebuild
  • Our Wespak ® policy covers replacement cost up to 25% over the insured value of your home
  • Replacement cost coverage up to 25% over the insured value of your home can be purchased on our standard homeowners policy  

Discover More Coverage Options

Westfield offers a full range of coverages to protect your home and your personal property. Connect with an agent about:

Connect with a Westfield Agent

Our independent agents are here to support you every step of the way, whether you need a quote or have the painful task of rebuilding your home. They’re real people, just like you, who understand your needs and what you’re going through. 

Let a Westfield agent help you get started with replacement cost dwelling coverage. Use our Find an Agent tool to locate an agent in your neighborhood today.


Wherever you are and whenever you need us, we’ll be there. And now, so will your policy info.



  • We're one of the largest non-public companies in Ohio and the largest employer in Medina County.
  • We provide personal insurance in 10 states, commercial insurance in 21 states and surety products in 50 states through a network of more than a thousand leading independent agencies.
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