Stillwater renters insurance review

Stillwater Insurance Group, founded in 2000 as the Fidelity National Property and Casualty Insurance Group, offers renters insurance in 48 states.

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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

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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