Stillwater renters insurance review

Stillwater renters insurance offers discounts for bundling your policy with your auto insurance, as well as savings if you have home safety devices installed.

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Stillwater

Stillwater logo

Policygenius rating

Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
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4.5

AM Best rating

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

The bottom line

Stillwater renters insurance has a lot to offer, including lots of deductible options, off-premises coverage for your personal belongings, and the ability to schedule high-value items to ensure they're extra protected — up to $50,000 per item. You can also bundle your renters and auto insurance policies together to save on rates.

Pros

  • Scheduled personal property coverage available for high-value items

  • Offers earthquake coverage

  • Bundling and home safety discounts

Cons

  • Can't increase jewelry or computer coverage limits

Basics

Renters Insurance Provider

Stillwater

Founded

2000

A.M. Best

A-

S&P

N/A

Ratings

Consumer Affairs

N/A

Consumer AffairsJ.D. Power Overall Customer Satisfaction

N/A

J.D. Power Claims Process Satisfaction

N/A

Base policy features

Replacement Value Available

Yes

Deductible Options

$250, $500, $1,000, $2,000, $2,500

Personal Property Coverage

$10,000 - $100,000 ($150,000 in NY)

Personal Liability

$100,000, $300,000, $500,000

Medical Payments to Others

$1,000, $2,,000 $5,000

Loss of Use Coverage

40% of Personal Property Coverage

Off-Premise Coverage

Yes

Peril Type Coverage

Named

Purchase Online

Yes

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Optional add-on features

Schedule High-Value Items Online

Yes; up to $50,000 per item

Types of Valuable Coverage

Jewelry, Cameras, Instruments, Fine Art, Golf Equipment, Firearms, Furs, Silverware

Increase Computer Category Coverage Limits Online

No

Increase Jewelry Category Coverage Limits Online

No

Identity Theft

Yes; $25,000

Earthquake Coverage

Yes

Water back-up of Sewers and Drains

Yes

Multi-policy Discounts

Yes

Home Safety Discounts

Yes

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