Stillwater Insurance Group Review 2025

Stillwater sells personal and commercial products in all 50 states and has excellent official ratings.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

Reviewed by Cara Carlone
Reviewed by Cara Carlone

Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.

Updated

Trusted Choice's Stillwater Insurance Score

4.5/5 stars

4.5 Stars


We award Stillwater Insurance Group a final rating of 4.5 out of 5 stars. The carrier has excellent official ratings from AM Best and the Better Business Bureau (BBB). The carrier sells personal and business products in all 50 states. It also provides 24/7 claims reporting.

Stillwater Insurance Group was founded in 2000, giving the carrier nearly 25 years of experience in the insurance industry. The insurance company was founded under the name “Fidelity National Property and Casualty Insurance Group.” Today, Stillwater's mission is still designed to deliver smart, fast, and strong services that make life easier for its customers.

Stillwater's home insurance rates are cheaper than the national average. The carrier also has a ton of discount options for every type of coverage it sells to help reduce rates even further. Overall, we highly recommend looking into Stillwater Insurance Group with the help of your independent insurance agent to be your next trusted carrier.

Stillwater Insurance Company Pros and Cons:

Pros: Cons:
Sells personal and commercial coverage
Limited social media presence
Offers several types of coverage
Rated "A-" (excellent) by A.M. Best
Rated "A+" (excellent) by the Better Business Bureau (BBB)
24/7 claims reporting
Strong financial stability
Several discounts available
Coverage available in all 50 states

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

Stillwater Insurance Products by Type

Stillwater sells coverage for personal and business customers. The carrier's products include the following:

Home & Property Insurance:

  • Landlord insurance
  • Personal umbrella insurance

Vehicle & Auto Insurance:

Commercial Insurance:

  • Business insurance

Stillwater Insurance Group Homeowners Insurance

Stillwater offers all the standard home insurance coverage options you could need, including dwelling, other structures, personal property or contents, medical payments, liability, and loss of use. 

The carrier also offers extended replacement cost coverage for the home's dwelling, which can pay to completely rebuild the structure in case of a total loss, even if the cost of materials has increased. Customers can also choose personal property replacement cost coverage, which can pay to fully repair or replace personal belongings without factoring in depreciation.

Stillwater also offers several coverage enhancements that customers can add to their policies for an extra fee. These include personal injury, special personal property, and scheduled personal property. Additional coverage enhancement options are as follows.

Coverage types, features, and benefits:

Animal liability

Stillwater's optional animal liability coverage can reimburse homeowners for third-party claims of personal property damage or bodily injury due to pets and other animals on the premises.

Identity theft expense recoupment

Stillwater's optional identity theft expense coverage can reimburse homeowners for costs associated with incidents of data breaches or cyberattacks that lead to identity theft.

Water backup

Stillwater's optional water backup coverage can pay for the repair or replacement of property and structural damage after incidents of sewer or other water backup.

Stillwater Insurance Group Homeowners Insurance Average Prices

A home insurance policy with $300,000 in dwelling coverage costs an average of $1,589 per year from Stillwater. That's considerably cheaper than the current national average. However, keep in mind that the cost of your specific policy may vary based on several factors, including your location, claims history, and more.

Stillwater Insurance Group Car Insurance

Stillwater also sells all the standard auto coverage you could need in a policy, including liability, collision, comprehensive, medical payments, personal injury protection (PIP), and uninsured/underinsured motorist coverage. The carrier also offers a couple of optional coverage enhancements.

Coverage types, features, and benefits:

Rental reimbursement

Stillwater's optional rental reimbursement coverage can pay for the cost of a rental car while yours is undergoing repairs after a covered collision or comprehensive claim.

Towing

Stillwater's optional towing coverage can reimburse you for the cost of professional towing and other services if your car breaks down.

Stillwater Insurance Group Car Insurance Average Prices

Stillwater does not provide information about its average auto insurance prices online. However, customers can enter their zip codes on the official website and receive a quote within minutes. 

You can also ask an independent insurance agent to assist you in getting a quote. Otherwise, check out our car insurance calculator to get a better idea of how much an auto insurance policy might cost you.

What Discounts Does Stillwater Offer?

Stillwater offers a number of competitive discounts on each of its products. These discounts include the following.

Home insurance discounts:

  • Accredited builder
  • Age of insured
  • Automatic sprinkler
  • Claim-free
  • Gated community
  • Home alarm protection
  • Marital status
  • Multi-policy
  • Newly acquired home
  • Roof type
  • Utility upgrade

Auto insurance discounts:

  • Accident and violation-free
  • Good driver
  • Good student
  • Multi-car
  • Multi-policy
  • Paid-in-full
  • Paperless
  • Theft protection and safety device

An independent insurance agent can provide better discount information and premium quotes for coverage through Stillwater Insurance Group. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.

Stillwater Customer Service

Stillwater offers 24/7 phone, mobile app, and email claims reporting for its policyholders. The carrier provides the following customer service options and availability.

  • Phone
  • Fax
  • Email
  • Snail mail
  • Mobile app
  • Online bill pay

The customer service phone department has the following hour restrictions:



Days Hours (EST)


Monday-Friday 8 a.m. - 9 p.m.


Saturday 8 a.m. - 3 p.m.


Sunday CLOSED

The best way to guarantee a great customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

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Connect with a Stillwater Agent Today.

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Stillwater Insurance FAQs

Stillwater offers 24/7 claims reporting through a couple of mediums. However, the insurance company does not provide an official claims response time frame. Stillwater encourages customers to file claims as soon as possible after an incident.

Stillwater allows customers to file claims 24/7 by phone, mobile app, or through email. The customer service phone department is available at extended hours during the week and restricted hours on Saturdays. The carrier’s social media presence extends across Facebook and Instagram, which makes it more accessible to customers.

Stillwater offers a couple of options for claims reporting. The carrier provides detailed steps for customers to take after filing claims. It also outlines its claims process as follows:

  1. The customer reports the claim and takes steps to remain safe.
  2. The customer takes steps to prevent further damage to the home, vehicle, etc.
  3. The customer provides the necessary documentation to Stillwater for review, including police reports if applicable.
  4. Stillwater recommends a licensed contractor for the customer to begin repairs.
  5. A Stillwater representative reviews the customer's insurance policy to determine how much of the claim is covered.

If customers have further questions about the claims process, they can contact the carrier directly or work with an independent insurance agent.

Stillwater’s official website is pretty user-friendly for both personal and business insurance. Online bill pay is available, as is 24/7 claims reporting via phone, fax, mobile app, and email. Overall, Stillwater provides a highly user-friendly experience for customers.

Stillwater offers all the standard home insurance coverage options and many optional coverage enhancements. Customers can schedule personal property, choose extended replacement cost coverage, or even add animal liability coverage to their policies.

Stillwater's insurance products may be right for either individuals or professionals. The carrier sells home insurance, car insurance, renters insurance, condo insurance, landlord insurance, umbrella insurance, and more nationwide.

With outstanding official ratings from AM Best and the BBB as well as a complete catalog of coverage options available nationwide, Stillwater can certainly be considered a good insurance company.

Stillwater's home insurance prices are cheaper than the national average. A Stillwater home insurance policy with $300,000 in dwelling coverage costs an average of $1,589 per year.

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https://ratings.ambest.com/CompanyProfile.aspx?BL=0&ambnum=12478&AltNum=196012478&AltSrc=3

https://www.bbb.org/us/fl/jacksonville/profile/insurance-companies/stillwater-insurance-group-0403-4781/customer-reviews

https://stillwaterinsurance.com/about-our-company#:~:text=Stillwater%20was%20founded%20in%202000,residential%20title%20and%20mortgage%20services.

https://www.policygenius.com/homeowners-insurance/reviews/stillwater/