Stillwater Home Insurance Review: Ratings and Quotes (2025)

Stillwater Insurance Group is a national insurance company that offers a variety of policies, including home insurance, in all 50 U.S. states. While not one of the largest home insurance companies on the market, it stands out in a few key areas, including a wide array of discounts and optional coverages to enhance your insurance policy. 

But Stillwater has mixed customer reviews, so be sure to shop around and consider all factors before purchasing a policy.

Stillwater home insurance at a glance

Stillwater home insurance coverage options

Stillwater offers all the standard home insurance coverages you’ll need to protect your home and assets. Here are its main insurance policy coverages:

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  Dwelling

  Your policy’s dwelling coverage protects your home and its attached structures, such as an attached garage. If your home is damaged or destroyed in a covered incident, you’ll have coverage up to your policy’s limits.

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  Other structures

  Other structures coverage pays to repair or replace other structures on your property that aren’t attached to your home, such as a detached garage or tool shed.

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  Personal property

  Your personal property coverage pays for all your belongings in your home up to your policy limits. You’ll typically have personal property coverage of up to 50% of your dwelling coverage.

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  Medical payments

  Medical payments coverage pays for medical expenses if someone other than your household members is injured in your home.

• 

  Personal liability

  Liability coverage pays for expenses for bodily injuries or property damage to someone outside of your family if a member of your household (including a pet) is responsible. It covers incidents both on and off your property.

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  Loss of use

  If your home is damaged or destroyed and you have to leave during repairs, your loss of use coverage will pay for your additional living expenses and bills, including a hotel room or rental home, as well as other costs.

Optional Stillwater home insurance coverages

In addition to its primary coverages, Stillwater also offers a handful of optional coverages you can use to enhance your policy. Here are the policies available:

• Animal liability: Your policy’s animal liability coverage pays for any bodily injury or property damage your pet causes to someone outside of your household.

• Identity theft expense recoupment: This coverage reimburses you for your financial losses if someone steals your personal information and uses it for fraudulent purchases.

• Personal injury: Your personal injury coverage protects you if someone sues you for a personal injury, such as slander, defamation, or wrongful eviction.

• Scheduled personal property: This supplemental coverage can insure valuable items, including jewelry or luxury items, that exceed your policy’s maximum dollar amount.

• Special personal property: This coverage expands your policy, providing coverage for all perils rather than only those explicitly named in your policy.

• Water backup: Your water backup coverage pays for repairs due to water damage from a clogged drain or sump pump.

Availability of Stillwater home insurance

Stillwater provides home insurance in all 50 U.S. states, meaning you can get a policy no matter where you live. Keep in mind that the coverage and discount options available may vary depending on which state you’re in.

How customers feel about Stillwater home insurance

Stillwater doesn’t have many customer reviews online, so it’s difficult to get a good idea of the company’s reputation. For example, Stillwater has an average rating of 3.1/5 stars on Trustpilot but with only two ratings.^[2] On the Better Business Bureau website, the company has an A+ rating but an average review of just 2.15/5 stars.^[3]

Several negative reviews discuss the company’s lack of responsiveness during the claims process or unfairly denying claims that should’ve been covered.

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Based on 3,806+ reviews

4.8/5

Stillwater industry ratings

Third-party organizations like AM Best, J.D. Power, and the National Association of Insurance Commissioners (NAIC) rate companies based on factors like financial strength, customer satisfaction, and customer complaints.

Unfortunately, J.D. Power doesn’t include Stillwater in its rankings for home insurance customer satisfaction or for property claims satisfaction. You can see the company’s financial strength and complaint ratings in the table below.

Rating	Score	What This Means
AM Best	A- (Excellent)	Stillwater has an excellent ability to meet its financial obligations.
J.D. Power	Not rated	N/A
NAIC Complaint Index	8.34	Stillwater has a high number of complaints compared to other companies in the market.

Stillwater home insurance discounts

Home insurance discounts can be an excellent way to help you save money on your premiums. Stillwater offers the following discounts:

Discount	% Discount	How to Qualify
Accredited builder	Up to 10%	Live in California home constructed by an accredited builder
Age of insured	Varies	Be at least 40 years of age on the last day of the calendar year
Automatic sprinkler	5%–10%	Have automatic sprinklers in some or all of your home
Claim-free	Varies	Remain claims-free for a specific period
Gated community	5%	Live in California in a neighborhood with at least a six-foot fence and secured entrances
Home alarm protection	Up to 15%	Have fire- and burglary-prevention efforts in your home
Marital status	Up to 8%	Be classified as married, which can include someone living with their spouse or domestic partner or who’s widowed
Newly acquired home	Up to 10%	Live in a newly purchased home and purchase your policy within 30 days of the closing date
Roof type	Up to 15%	Have a hail-resistant roof or one made of clay, terra cotta, slate, concrete, or metal
Utility upgrade	Varies	Make certain updates to your utility systems, including plumbing, electrical/wiring, or heating/air conditioning

Stillwater insurance bundling options

In addition to its other discounts, Stillwater allows you to save on your premiums if you bundle your home insurance policy with your Stillwater auto insurance policy. You can add this discount when you initially sign up for your policy, when you renew your policy, if your policy is re-written, or using an endorsement within 30 days of your policy’s start date.

Stillwater’s bundling policy ranges from 2% to 5% of your premiums, depending on where you live. In most states, you’ll get a 4% discount for bundling your policies.

How to file a home insurance claim with Stillwater

If something happens to your home and you need to file a claim, there are three different ways you can do it:

• Stillwater website: Log into your Self Service account on the Stillwater website, select “Claims,” and click “Report a Claim.”

• Stillwater mobile app: Log into your Stillwater mobile app and follow the same steps you’d use on the Stillwater website.

• Phone: Call 1 (800) 220-1351 and follow the voice prompts.

When filing a claim through any method, Stillwater recommends having your policy number, contact number, date of loss, location of loss, and a description of the event ready.

Once you’ve filed your claim, Stillwater recommends taking immediate steps to mitigate the damage and keep yourself safe. Make sure to save all receipts for any expenses during the claims process. You should also take an inventory and photos of the damage.

When you’re ready to start repairs, you can either get your own quote from an independent contractor or work with a professional credentialed contractor recommended by Stillwater.

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4.8/5

Stillwater vs. other insurance companies

With many different home insurance companies on the market, it’s important to compare your options to ensure you’re finding the best company for your situation. Let’s see how Stillwater stacks up to a couple of other popular home insurers.

Stillwater vs. State Farm

State Farm is the largest home insurance company in the U.S., making up more than 17% of the market. It offers the same primary coverages as Stillwater but also offers inflation coverage, which helps your insurance policy keep pace with rising construction costs.

State Farm doesn’t offer as many discounts as Stillwater but has competitive premiums, with an average annual premium of $2,133 for $300,000 of dwelling coverage. It also has excellent customer satisfaction rankings from J.D. Power.^[4]

Stillwater vs. Travelers

Travelers is another national insurance company. It ranks in the top-10 home insurance companies in the country in terms of market share. It has an average annual premium of $2,282 for $300,000 of dwelling coverage.

Travelers stands out in terms of its optional coverages. Its additional coverage options are similar to Stillwater’s, but Travelers also offers green home coverage and replacement cost/additional replacement cost on your dwelling and personal belongings. Travelers has fewer home insurance discounts than Stillwater but a decent lineup that includes a green home discount.

Stillwater home insurance FAQs