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The company’s website reflects its tagline: “The worst brings out our best. That’s the silver lining.”
This sentiment is echoed throughout the company’s site, with a number of resources geared toward educating customers about insurance, the claims process and general safety precautions. This is echoed in the company’s social media behavior, particularly its YouTube channel, which offers its commercials alongside informative safety-related videos. The overall image the company has cultivated is one of trustworthiness and security, more-so than building its brand on rates or other factors.
West Bend sells products for individuals to insure their homes and vehicles, including automobiles and RVs. You can buy these products individually or in a bundle through the “Home and Highway” policy. This is a single-premium policy that covers all of your belongings under a single deductible. This includes your home and vehicle as well as more specialized properties like boats or classic cars.
The Home and Highway policy is marketed to both individuals and groups. This allows members of certain organizations or associations to receive a group discount when enrolled in the program. If you live in an area serviced by West Bend, it’s a possibility that you might already be a member of one of these associations, so this is an option worth looking into when considering this company.
Aside from this group discount, West Bend also offers standard premium discounts on car insurance and home insurance, such as those for accident-free drivers, good students, vehicle safety devices and safety-oriented home renovations. You can also get a cash-back award at the end of the year if you’re claim-free on your Home and Highway policy. This award is given to you as a check rather than applied to your next premium, so you can use it for any purpose you’d like. While other discounts can be used by people who buy policies a la carte, the cash back award is only available to customers enrolled in the Home and Highway plan.
Aside from its personal insurance products, West Bend also offers several types of insurance to small businesses in a variety of niches including auto services, restaurants, childcare, and more. The specific types of coverage will vary depending on the industry, but they will typically focus on general liability, industry-specific liability and commercial property and auto protection.
Aside from this general business insurance, companies can also use West Bend for surety bonds, workers’ compensation and loss prevention services.
There is not a way to get a quote online or through a central customer service center.
Prospective customers would need to find a local independent agent first and receive a personalized quote that way. The site does provide an agency locator that allows you to search by zip code or city/state combination. There are quite a few qualified agencies in any given region where policies are sold.
West Bend customers can file claims over the phone at 1-877-922-5246 or by contacting their local agent. The claims line is available 24/7. You could also file via email by sending a message to firstname.lastname@example.org. There is no secure online claims form, though, so submit personal information over email at your own risk.
The West Bend website provides very thorough claim filing information, walking customers through the process of filing and what to expect afterward for various types of claims including glass-only, auto accident, property insurance, roadside assistance or workers’ compensation.
If you’re filing an automobile claim, you can save some time by using the company’s preferred auto repair providers. These are companies that are partnered with West Bend Mutual and offer pre-approved repairs, you can take the vehicle directly to an approved shop and have repairs started without waiting on a licensed adjuster to inspect the vehicle first. If you’d rather use your own repair shop, you’ll have to wait on a West Bend adjuster to complete an estimate before repairs can be approved.
Like many insurers, West Bend also offers mobile claims support for catastrophic losses, such as tornadoes or other major storms. Responder is their 35 foot vehicle designed to act as an office and travel to affected areas in order to expedite the inspection process and distribute payments. This speeds up the claims process when your home or vehicle is damaged as part of a major catastrophic weather event.
West Bend has been accredited on Better Business Bureau website since 2010. The BBB gives West Bend an “A+” rating with 24 complaints listed in the last three years, eight of which have been closed in the past 12 months.
Several review sites have negative reviews about things like claims taking a long time to resolve, low-balled estimates and policies being dropped after a claim. These are in line with the standard complaints made against most insurers, and they’re by no means overwhelming; they would stand out less if the company were larger or had more reviews overall.
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Overall, West Bend Mutual appears to be a good choice for those who reside in their coverage area. They put a lot of effort in providing information to their clients, which is evident through their website and YouTube Channel. They also do a good job at setting claims expectations, which is one area insurance companies in general tend to drop the ball.
For a list of companies that we recommend, visit our Best Insurance Companies page.