Comprehensive Review of Stillwater Insurance Company
I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them.
Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.
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Written by
Chris Huntley
Founder of Huntley Wealth & Insurance Services
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…
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Reviewed by
Rachael Brennan
Licensed Insurance Agent
UPDATED: Mar 22, 2022
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Here’s the Scoop
Stillwater Insurance provides an extensive selection of insurance products
Coverage includes home, auto, renters, business, and more
Plans are flexible and include many options for customization and savings
Are you shopping for insurance? You have come to the right place. We understand that it’s challenging to find the right plan for you and your family. That’s why we write honest company reviews and provide access to free and easy quotes. Maybe you’ve heard of Stillwater Insurance and are curious about its products. If so, we’ve got you covered.
This article will explore the coverage options available with Stillwater Insurance Company. We’ll look at the types of policies, financial ratings, and customer reviews, so you can make a confident decision.
What services do Stillwater provide?
Stillwater Insurance Company, also known as Stillwater Insurance Group, provides a full range of insurance products. From auto to home insurance and renters to business coverage, Stillwater Insurance offers a variety of ways to protect your assets.
Stillwater for Homeowners
The best homeowners insurance companies provide flexible plans with lots of added benefits.
Stillwater Insurance gives you the ability to build your own plan You choose the coverage and the deductible, and you customize the policy to match your needs.
The primary coverages included in a home insurance plan include:
Dwelling. If a fire or storm damages your house and attached structures, this coverage will pay for the repairs up to your chosen limit.
Other structures. This feature pays for damage to structures unattached to your house.
Personal property. Damage to or theft of items such as clothing, appliances, or furniture is covered under this feature.
Medical payments. This plan covers the medical expenses of guests injured on your property.
Personal liability. If someone is hurt or their possessions are damaged on your property, this coverage pays for their expenses.
Loss of use. This feature pays for your expenses if you cannot live in your home due to a covered loss.
Besides standard coverage, Stillwater Insurance offers many additional protections for your home. Some add-ons you can use to customize your plan include animal liability, personal injury, and identity theft expense recoupment.
Additionally, many discounts are available with Stillwater Insurance. Depending on your state and policy type, you may qualify for various savings opportunities. There are discounts based on the customer’s age, home roof type, marital status, and home safety devices.
The list of discounts is expansive, and an agent can help you find savings for your specific situation.
Stillwater Insurance Automotive Coverage
Some of the best car insurance companies provide access to affordable plans that are easily customizable.
Stillwater Insurance offers a variety of automotive coverage options. Beginning with the state-required minimum protection, Stillwater provides numerous ways to protect your vehicle.
Stillwater’s standard auto coverages are as follows:
Bodily injury liability. If you are responsible for an accident that injures another person, this feature covers their expenses.
Property damage liability. This pays for damages you cause to someone else’s property.
Besides standard protection, Stillwater offers a selection of enhanced coverage for your car. You can customize your auto insurance plan by adding the following protections:
Collision. This coverage pays for damage to your car caused by hitting another object.
Comprehensive. Damage caused by non-collision incidents — such as weather, vandalism, and theft — is covered by this plan.
Uninsured/under insured motorist. This coverage pays for damages caused by a driver with little or no insurance.
Rental. This plan reimburses you for the cost of a rental vehicle if you cannot drive your car due to a covered accident.
Towing. This coverage pays to tow your vehicle after a covered accident.
Medical payments. This protection will cover your costs if you require medical treatment such as an ambulance ride, x-rays, or nursing care after an accident.
Personal injury protection. This feature pays for the medical expenses of any person you injure with your vehicle.
Many savings opportunities are available with a Stillwater auto plan. A few of the discounts you might qualify for include good driver, good student, multi-car, multi-policy, and paperless billing.
Stillwater Insurance for Renters
Stillwater Insurance also protects renters. With an average cost of just a few dollars a week, Stillwater’s renters insurance is an affordable option.
Renters insurance covers losses caused by theft, fire, storm damage, water overflow, electrical surges, and smoke.
It provides living expenses if your apartment is unfit due to a loss. Coverage includes:
Personal liability. This protects you if you cause harm to another person or their property.
Medical coverage. This feature pays for medical expenses related to a covered accident.
You can customize your renters policy by adding coverage against earthquakes and water damage, liability for injuries your pets cause, and protection for high-value items like fine art and jewelry.
Further, you can save on your renters plan if you bundle it with your auto insurance.
Stillwater’s renters insurance only applies to you. If you have a roommate, their belongings are not protected unless you add them to your plan.
Stillwater Insurance for Condos
Condo insurance is an excellent way to protect your home. Stillwater Insurance offers affordable protection to condo owners with many discounts and flexible payment options.
A condo insurance plan with Stillwater includes the following coverages:
Personal property. This protects your personal items, such as clothing, appliances, furniture, and electronics.
Dwelling. This feature pays for fire or storm damage to interior walls and floors.
Loss of use. If you cannot use your condo due to an accident, this feature will pay for your living expenses.
Personal liability. This coverage protects you if you injure another person or damage their property.
Medical payments. This feature pays the medical expenses of a person harmed by you.
Loss assessment. If your condo association bills you for building repairs — to fix a damaged roof, for example — this coverage pays the costs.
Condo insurance plans with Stillwater include many opportunities for customization. You can include options like animal liability, theft protection, and personal injury coverage in your condo policy.
You might be eligible for many discounts on your condo insurance based on your location and association. Paperless billing, safety features, and your age are all factors that may qualify you for savings opportunities.
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What other products can I get from Stillwater?
Besides the coverage already listed, Stillwater Insurance provides business, landlord, and umbrella insurance.
Stillwater’s business insurance includes property, business income, and liability coverage.
Landlord insurance plans can protect your investment if it’s damaged or destroyed.
Umbrella insurance is supplemental liability coverage. You can use this protection to enhance your auto, home, renters, RV, or watercraft insurance.
Stillwater Insurance Reviews and Ratings
When shopping for a new insurance company, you must remember to check the financial ratings and customer reviews. These two sources provide us with great insights into a company’s credibility and its treatment of customers.
Stillwater Insurance Company Financial Ratings
Financial ratings are third-party estimations of an insurer’s ability to meet its financial obligations.
One of the nation’s top-rated financial reviewers, A.M. Best, gives Stillwater Insurance Company an A- (excellent) rating. Further, the company’s outlook is listed as stable.
Stillwater Insurance Company Customer Reviews
Beyond financial ratings, customer reviews are a vital source of information. Customer-submitted complaints and praise can tell us how the company treats its patrons and whether it honors its commitments.
Stillwater Insurance, listed as Stillwater Insurance Group, is accredited by the Better Business Bureau (BBB). It has an A+ rating based on customer submissions and 3.8/5 stars based on 70 customer reviews.
Stillwater Insurance has 2.21/5 stars based on 36 customer reviews with Clearsurance.
The reviews of Stillwater are mostly mixed. Some customers complain of poor service and slow claims times. However, many others celebrate the company for great rates and friendly agents.
Stillwater Insurance Company Final Thoughts
If you’re looking for a one-stop insurance company, Stillwater might be an excellent choice.
Its services range from home and auto protection to renters insurance and commercial business coverage. You control your policy with Stillwater Insurance. From selecting your deductible to adding discounts and supplemental insurance, you choose the plan best for your needs.
Stillwater is well-rated by A.M. Best, but customer reviews are mixed. Many patrons praise the company for friendliness and affordability, while others complain of slow service.
Overall, Stillwater Insurance provides an extensive selection of insurance products. Plans are customizable and flexible, and many discounts are available.
However, before you decide, remember to research all your options. Comparing multiple companies and their rates is the best way to find the right plan for you.
