Stillwater home insurance review searches have grown as more homeowners discover this digital-focused carrier. Stillwater Insurance Group is headquartered in Jacksonville, Florida. The company was founded in 2000 and has grown steadily over the past two decades. Stillwater now offers home insurance policies in all 50 states.
- Stillwater Insurance Overview and Financial Strength
- Stillwater Home Insurance Review: Coverage Options
- Stillwater Insurance Home Insurance Discounts
- Stillwater Insurance Home Insurance Cost
- Stillwater Insurance Claims Process and Customer Service
- Pros and Cons of Stillwater Insurance Home Insurance
- Who Is Stillwater Insurance Home Insurance Best For?
- Frequently Asked Questions
The carrier operates through a network of independent agents and direct online channels. Homeowners looking for affordable coverage with extensive add-on options should consider Stillwater. However, recent changes in the company’s financial ratings and rising complaint numbers deserve careful attention. This stillwater home insurance review covers everything you need to know before buying a policy in 2026.
Stillwater Insurance Overview and Financial Strength
Stillwater Insurance Group has been in business for over 25 years. The company maintains offices in Jacksonville, Omaha, Santa Barbara, and Jericho. Stillwater sells homeowners, renters, condo, auto, and landlord insurance products. The carrier works with independent agents nationwide. It also offers direct-to-consumer quoting through its website. For a mid-size insurer, Stillwater has built a solid reputation for competitive pricing.
In April 2025, AM Best downgraded Stillwater’s Financial Strength Rating from A- (Excellent) to B++ (Good). The downgrade reflected declining risk-adjusted capitalization and net underwriting losses. However, the outlook was revised to stable from negative. Demotech still maintains an A (Exceptional) rating for Stillwater. The NAIC complaint index is a concern in this stillwater home insurance review. Recent data shows complaints at roughly three to eight times the expected level for a company of Stillwater’s size. This is a significant increase from 2021 when Stillwater had 30% fewer complaints than average.
| Rating Source | Score / Grade |
|---|---|
| AM Best Financial Strength | B++ (Good) |
| Demotech | A (Exceptional) |
| NAIC Complaint Index | 3x–8x expected (above average) |
| BBB | A+ |
| JD Power | Not ranked |
Stillwater Home Insurance Review: Coverage Options
Stillwater offers all standard homeowners insurance coverages. These include dwelling protection, other structures, personal property, liability, medical payments, and loss of use. In most cases, these standard coverages are comparable to what larger carriers provide. The dwelling coverage protects your home’s structure against covered perils. Personal property coverage reimburses you for belongings damaged or stolen. Liability protection covers legal costs if someone is injured on your property.
What makes Stillwater stand out in this stillwater home insurance review is its optional add-ons. The carrier offers more than 20 endorsements. These include extended replacement cost coverage for your dwelling. This pays to rebuild even if material costs exceed your policy limit. Water backup coverage handles damage from sewer or drain backups. Equipment breakdown coverage protects home systems like HVAC and appliances. Additional options include service line coverage, inland flood protection, inflation guard, animal liability, identity theft protection, and scheduled personal property for valuables.
Typically, availability of endorsements varies by state, county, and construction type. For example, inland flood coverage may not be available in high-risk flood zones. As a result, you should confirm which add-ons are available in your area before purchasing. The breadth of optional coverages is one of Stillwater’s strongest selling points.
Stillwater Insurance Home Insurance Discounts
Stillwater offers approximately 15 discount opportunities for homeowners. Many homeowners bundle auto and home insurance for discounts — you can compare auto insurance rates at Car Cover Guide to see if bundling with Stillwater makes financial sense. The bundling discount typically ranges from 2% to 5% depending on your state. In most cases, policyholders receive a 4% bundling discount.
Additional discounts can significantly lower your premium. The claims-free discount rewards homeowners who have not filed recent claims. A security system discount applies when you install monitored alarm systems. The gated community discount reduces rates for homes in secured neighborhoods. Stillwater also considers your roof type, age of home systems, and marital status when calculating discounts.
| Discount Type | Details |
|---|---|
| Multi-policy bundling | 2%–5% off (typically 4%) |
| Claims-free | Discount for no recent claims |
| Security system | Monitored alarm required |
| Gated community | Secured neighborhood discount |
| Roof type | Impact-resistant or newer roofs |
| Age of insured (40+) | Mature homeowner discount |
| New home systems | Updated electrical, heating, plumbing |
| Marital status | Married policyholders may qualify |
This stillwater home insurance review finds the discount lineup competitive. However, the bundling discount is modest compared to carriers offering 10% to 25% multi-policy savings.
Stillwater Insurance Home Insurance Cost
Stillwater’s average home insurance premium is approximately $1,589 per year. This is based on a policy with $300,000 in dwelling coverage. The national average for the same coverage level is roughly $1,940 per year. As a result, Stillwater comes in about 18% cheaper than the national average. This pricing advantage is a key finding in this stillwater home insurance review.
Several factors affect your Stillwater premium. Your home’s location, age, and construction type matter most. Claims history, credit score, and coverage limits also play a role. Deductible choices can lower or raise your annual cost significantly. For example, choosing a $2,500 deductible instead of $1,000 can save hundreds per year. Typically, homes in areas prone to hurricanes, wildfires, or hail will pay more.
Saving on insurance premiums frees up money for savings accounts with sign-up bonuses — you can find bank sign-up bonuses at Bonus Bank Daily to make those savings work harder. When comparing Stillwater to competitors, its pricing is consistently below average for standard coverage levels.
Stillwater Insurance Claims Process and Customer Service
Stillwater offers 24/7 claims reporting through multiple channels. You can file a claim by phone, through the mobile app, or via the online self-service portal. An examiner reviews each claim and follows up directly with the policyholder. The company also provides an online chat feature for checking claim status. In most cases, the initial claims report process is straightforward and quick.
The Stillwater mobile app is available on both iOS and Android. It lets you view policy details, pay bills, and contact your agent with one tap. The app recently added AI autofill features for faster claim submissions. However, this stillwater home insurance review must note that app ratings from users are below average on both platforms. Many customer complaints focus on the app’s usability and occasional technical issues.
Customer service is available during extended weekday hours and limited Saturday hours. Stillwater does not offer 24/7 live customer service for general inquiries. However, claims reporting is available around the clock. Customer feedback is mixed overall. Positive reviews praise fast claim turnaround and clear communication. Negative reviews cite policy cancellations after inspections and delayed claim resolutions. This stillwater home insurance review recommends reading recent customer experiences before committing.
Pros and Cons of Stillwater Insurance Home Insurance
Pros:
- Average premiums roughly 18% below the national average for $300,000 dwelling coverage
- More than 20 optional coverage add-ons including water backup, equipment breakdown, and inland flood
- Available in all 50 states through independent agents and online quoting
- 15 discount categories help reduce premiums further
Cons:
- AM Best downgraded financial strength rating to B++ (Good) from A- (Excellent) in 2025
- NAIC complaint index is three to eight times higher than expected for a company of its size
- Not ranked by JD Power, making independent satisfaction benchmarking difficult
Who Is Stillwater Insurance Home Insurance Best For?
This stillwater home insurance review concludes that Stillwater is best for budget-conscious homeowners. If you want below-average rates with extensive customization options, Stillwater delivers. The 20-plus endorsements let you build a tailored policy. Homeowners who value add-on flexibility over brand-name recognition will appreciate Stillwater’s approach. The carrier is also a strong fit for shoppers in states where major carriers are expensive.
However, Stillwater may not be ideal for risk-averse buyers. The AM Best downgrade and rising complaint ratios are real concerns. If financial strength is your top priority, consider carriers with A or A+ ratings from AM Best. Typically, homeowners with high-value properties may prefer a carrier with stronger claims satisfaction scores. This stillwater home insurance review suggests getting quotes from at least three carriers before deciding.
Stillwater works best for homeowners who want affordable premiums, need specific endorsements like water backup or equipment breakdown, and are comfortable working with independent agents. If you fall into that category, Stillwater deserves a place on your shortlist. For everyone else, compare carefully and weigh the financial strength concerns against the pricing advantage.
Frequently Asked Questions
Is Stillwater Insurance financially stable enough to pay claims?
Stillwater holds a B++ (Good) rating from AM Best and an A (Exceptional) rating from Demotech. However, the AM Best downgrade in 2025 reflected weakening capitalization. In most cases, B++ rated carriers can still meet their obligations, but monitoring future rating changes is wise.
How does Stillwater home insurance pricing compare to other carriers?
Stillwater’s average annual premium of $1,589 for $300,000 in dwelling coverage is about 18% below the national average. As a result, it ranks among the more affordable options for standard homeowners policies. However, your actual rate depends on location, home age, and claims history.
Does Stillwater Insurance offer flood insurance as part of this stillwater home insurance review?
Stillwater offers an optional inland flood endorsement in select areas. This is separate from the standard homeowners policy. Typically, homeowners in high-risk flood zones will still need a separate NFIP flood policy. For example, the inland flood add-on may cover minor flooding but has coverage limits below what NFIP provides.
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Official Sources & Resources
For verified information on home insurance ratings and regulations:
- AM Best (Financial Strength Ratings): ambest.com
- NAIC (Complaint Ratios): naic.org
- Insurance Information Institute: iii.org
- FEMA (Flood Insurance): fema.gov
- J.D. Power (Customer Satisfaction): jdpower.com
Content last reviewed April 2026. If you notice any outdated information, please contact us.