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. Backed by Fortune 500 mainstay Fidelity Investments and featuring policies underwritten by the world’s largest reinsurance companies, Stillwater is unique in that it’ll 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.
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
Stillwater homeowners insurance is available everywhere in the United States except Michigan, Georgia, and the District of Columbia.
| State | Availability | State | Availability |
|---|---|---|---|
| Alabama | √ | Nebraska | √ |
| Alaska | √ | Nevada | √ |
| Arizona | √ | New Hampshire | √ |
| Arkansas | √ | New Jersey | √ |
| California | √ | New Mexico | √ |
| Colorado | √ | New York | √ |
| Connecticut | √ | North Carolina | √ |
| Delaware | √ | North Dakota | √ |
| Florida | √* | Ohio | √ |
| Georgia | Oklahoma | √ | |
| Hawaii | √ | Oregon | √ |
| Idaho | √ | Pennsylvania | √ |
| Illinois | √ | Rhode Island | √ |
| Indiana | √ | South Carolina | √ |
| Iowa | √ | South Dakota | √ |
| Kansas | √ | Tennessee | √ |
| Kentucky | √ | Texas | √ |
| Louisiana | √ | Utah | √ |
| Maine | √ | Vermont | √ |
| Maryland | √ | Virginia | √ |
| Massachusetts | √ | Washington | √ |
| Michigan | Washington D.C. | ||
| Minnesota | √ | West Virginia | √ |
| Mississippi | √ | Wisconsin | √ |
| Missouri | √ | Wyoming | √ |
| Montana | √ |
*Only offered for homes north of Orlando and not on the coast
Stillwater keeps it pretty simple, offering two policies: a standard policy and a more robust policy with superior personal property coverages.
HO-3
CloseHO-5
ViewThe 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 coverages | Policy limits |
|---|---|
| Dwelling | $475,000 |
| Other structures | $47,700 |
| Personal property | $262,350 |
| Personal liability | $500,000 |
| Medical payments for guests | $5,000 |
| Loss of use | $190,800 |
| Premiums | $1,816 |
Stillwater offers additional coverage for your home with extended replacement cost coverage, as well as replacement cost coverage for your stuff.
Here’s how Stillwater stacks up against the competition in terms of the most common coverage endorsement offerings:
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.
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.
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 lossnotices@stillwater.com, 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.
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.
Website: www.stillwaterinsurance.com
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.
50 West 23rd Street, Floor 9
New York, NY 10010
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