Stillwater Home Insurance Review

Stillwater offers customizable policies for most types of homes, and will even cover you if you didn't have prior insurance, but their coverages and digital tools could be more modernized.



Stillwater has been around less than two decades, but it hasn’t taken this company long to turn into a household name, as they offer highly personalized coverage in every state but two. Stillwater was originally part of Fidelity National Financial (FNF), the country's largest provider of commercial and residential title and mortgage services, and they feature policies underwritten by the world’s largest reinsurance companies. With Stillwater, you can be sure that when it comes time to file a claim, they'll deliver on it. One of this company's reputable traits is that they write policies for most home types and circumstances – even homes that didn’t have insurance prior to applying with Stillwater. So if you’ve been given the thumbs down by carrier after carrier because your home wasn’t insured, Stillwater may be your best bet.


  • Will write you a policy if your insurance score is low, you had a recent lapse in coverage, or you didn’t have insurance prior to your application
  • Offers $5,000 in mold coverage
  • Bundling discounts
  • Highly customizable policies
  • Several discount opportunities


  • Minimal informational tools on website
  • Subpar online application process
  • Online claims function doesn’t seem to work

Stillwater by the numbers

Founded: 2000

Market share: N/A

A.M. Best rating: A- (Excellent)

Better Business Bureau rating: A+

Consumer Reports: N/A

J.D. Power: N/A

Which states is Stillwater available in?

Stillwater homeowners insurance is available everywhere in the United States except Michigan, Georgia, and the District of Columbia.

Stillwater homeowners insurance by state

ArizonaNew Hampshire
ArkansasNew Jersey
CaliforniaNew Mexico
ColoradoNew York
ConnecticutNorth Carolina
DelawareNorth Dakota
Georgia Oklahoma
IllinoisRhode Island
IndianaSouth Carolina
IowaSouth Dakota
Michigan Washington D.C.
MinnesotaWest Virginia

*Only offered for homes north of Orlando and not on the coast

Policy details

Stillwater keeps it pretty simple, offering two policies: a standard policy and a more robust policy with superior personal property coverages.

Coverage tiers



  • Open-peril coverage for dwelling and other structures
  • Replacement cost coverage for other structures on your property



  • Open-peril coverage for dwelling, other structures, and personal property
  • Replacement cost coverage for other structures on your property
  • Replacement cost coverage for personal property

How much does Stillwater cost?

The cost of homeowners insurance varies considerably from state to state, but Stillwater’s rates are among the most competitive in the industry, and they’ll write a policy for almost any type of home and pricepoint.

Below is a sample HO-3 policy for a 50-year-old, 2,000-square-foot, single-family home in California with 50% extended replacement coverage for the home, replacement cost coverage for personal property, inflation guard and animal liability endorsements, and a $1,000 deductible.

Basic coveragesPolicy limits
Other structures$47,700
Personal property$262,350
Personal liability$500,000
Medical payments for guests$5,000
Loss of use$190,800

Additional coverages

Stillwater offers additional coverage for your home with extended replacement cost coverage, as well as replacement cost coverage for your stuff.

  • Extended replacement cost - Option of increasing coverage for your home by an additional 25% or 50% of your policy limit
  • Personal property replacement cost - Reimburses you the replacement cost of damaged personal property
  • Water backup - Protects your stuff in the event your sewage goes in the reverse direction of where its supposed to go
  • Inflation guard - Automatic periodic increases to dwelling coverage to reflect the current rebuild costs
  • Identity theft expense recoupment - Reimburses you for attorney fees, lost wages, document notarization fees, and any other costs related to restoring your stolen identity
  • Scheduled personal property - Higher sublimits for expensive valuables, like jewelry, furs, musical instruments, and camera gear
  • Special personal property - Endorsement that protects your stuff against more perils, increases sublimits for expensive valuables and collectibles, and broadens the meaning of specific perils, like theft, to insure you if your stuff is misplaced or lost
  • Animal liability - Covers your liability expenses if your dog causes damage to a guest or their personal property, regardless of breed
  • Personal injury - Liability protection if you’re falsely arrested, slandered, defamed, or incur other types of personal injuries that aren’t actually bodily damage

Here’s how Stillwater stacks up against the competition in terms of the most common coverage endorsement offerings:

Homeowners insurance coverage endorsements comparison


If any of the following apply to you or your home, or you add protective features that lower the risk of your home incurring damage or a total loss, Stillwater may trim a hefty amount from your bill.

  • Multi-policy discount - When you have more than one policy with Stillwater
  • Newly acquired home - If you bought your home in the last 12 months
  • Accredited builder - If your home was built by a builder that Stillwater deems reputable, and your house is less than five years old
  • Loss-free discount - Also known as a “claim-free” discount, you’re eligible for a loss-free discount if you go an extended period without filing a claim
  • Automatic sprinkler - If you have a sprinkler system in your home
  • Gated community - If your home is located within a gated community
  • Home alarm protection - If your home is fitted with burglar or fire alarms that alert the authorities
  • Marital status - If you’re married or widowed
  • Roof-type - Applies to homes with impact-resistant roofing materials
  • Utility upgrade - Incentive for homes that harness green energy

Company details

Application process

There are two ways you can apply for homeowners insurance with Stillwater – online through the company website or over the phone.

Applying online is fairly easy, if not a little clunky. (Could use a few design and functionality updates and overall informational improvements in the user flow.) You simply input your ZIP code in the “start quick quote” box, and you’re off and running. The entire quoting process takes about five to 10 minutes. You’re then provided with two quotes (one HO-3 and one HO-5 quote), and if you’re interested in proceeding with a Stillwater plan, they give you a number to call to finish the application.

The one thing you may not like is – before retrieving your quote – they ask for your Social Security number. Insurers need your social to calculate your insurance score, but most insurers reserve this until the end of the process — not during a quick quote.

Claims process

Stillwater gives you a few options for filing claims: you can file online through their “Report a Claim” feature (which kept rerouting us back to the homepage when we tried selecting this feature, so it’s unclear whether you can actually report claims online yet), you can call them on their 24/7 hotline, you can email their claims department at, or you can contact your agent directly. Once your claim is filed, Stillwater reviews your claim, assigns you an appraiser to inspect and photograph the damages, and makes a decision once everything is reviewed and processed.

Other types of property insurance offered

Stillwater offers several types of property insurance. If you’re looking to buy home insurance with Stillwater and you have other property that needs coverage, consider bundling insurances.

  • Car insurance - Protects your whip
  • Renters insurance - Protection for stuff in your rental unit (and outside your rental unit)
  • Condo insurance - Protects your condo's structure, all your stuff inside, and any additional liability coverage you need to supplement your HOA's master policy
  • Business owners policy - Liability and property damage protection for small- to medium-sized businesses
  • Landlord insurance - Coverage in case your tenants burn your building down
  • Umbrella insurance - Increased liability coverage limits for your home and car
  • Earthquake insurance - May replace your home if it’s swallowed by Earth

Digital tools

  • Online application and claims filing
  • Online bill pay and policy viewer
  • Bill pay and policy viewer through the Stillwater Mobile App

Contact info

Phone: (855) 712-4092
Headquarters: 4905 Belfort Rd, Suite 110, Jacksonville, FL 32256

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s homeowners insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.