Stillwater Insurance Company Review

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Written by
Darren Craft

Stillwater Insurance Group, established in 2000 and based in Jacksonville, Florida, serves clients across all 50 states with a comprehensive range of insurance products. It is renowned for its excellence, its robust customer service and solid financial standing, with a Demotech rating of A and a BBB rating of A+.

Financial Rating
A on Demotech
NAIC
16578
NAIC Group
STILLWATER INSURANCE GROUP
Address
6800 Southpoint Parkway, Suite 700, Jacksonville, FL 32216
Service Phone Number
Claims Phone Number
Jurisdictions
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
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Operating under high standards of integrity, service, and reliability, Stillwater caters to a diverse clientele, offering tailored solutions that encompass home, auto, and commercial insurance needs. Their long-standing presence in the industry is a testament to their commitment to providing valuable insurance coverage.

  • Nationwide Coverage: Serving all 50 states with a variety of insurance products.
  • Strong Financial Health: Rated 'A' by Demotech, indicating excellent financial stability.
  • High Customer Satisfaction: A+ rating from the Better Business Bureau.
  • Diverse Product Offerings: Includes home, auto, renters, and commercial insurance.
  • User-Friendly Services: Efficient online and phone support for claims and customer service.

Stillwater's reputation is built on reliable coverage, comprehensive policy options, and responsive customer service, making it a preferred choice for insurance across the United States. This foundation of trust assures policyholders of security and support when it matters most.

Stillwater Insurance Products

Stillwater Insurance Group provides a diverse range of insurance products tailored to meet the specific needs of various customers. Whether for individual or business use, Stillwater insurance ensures comprehensive coverage, blending traditional insurance solutions with innovative services to address contemporary challenges and opportunities.

Their offerings encompass everything from basic auto coverage to complex business policies, ensuring that every client finds the right level of protection. By continuously evolving their product lines, Stillwater meets the dynamic needs of their clientele, maintaining a competitive edge in the insurance industry.

  • Homeowners Insurance: Protects your home and belongings from various risks.
  • Auto Insurance: Coverage for vehicles, addressing collision, liability, and more.
  • Renters Insurance: Safeguards tenants’ personal property against unexpected events.
  • Condo Insurance: Specifically designed for condominium owners, covering interior structures and fixtures.
  • Landlord Insurance: Provides property owners with protection against financial losses related to rental properties.
  • Business Insurance: Secures businesses against a wide range of commercial risks.
  • Umbrella Insurance: Offers additional liability coverage beyond standard policy limits.

To further learn and understand the benefits and specifics of each insurance product Stillwater offers, we encourage you to learn more, ensuring you make the best decision for your needs.

Stillwater Insurance Premiums

Stillwater Insurance offers competitive rates on homeowners insurance, typically providing a value that is about 18% lower than the national average. For example, the average annual premium for a Stillwater homeowners insurance policy with $300,000 in dwelling coverage is approximately $1,589​​​​​​. This cost-effectiveness is a standout feature, reflecting Stillwater's commitment to affordability.

  • Stillwater's premiums are notably less than many competitors, making it an appealing choice for budget-conscious homeowners.
  • Premiums can vary based on several factors, including the location of the home, the home's age and condition, the coverage limits chosen, and the homeowner's claims history.
  • Stillwater offers a variety of discounts that can further reduce premiums, such as discounts for homes with security systems, multi-policy discounts, and special rates for homes built by accredited builders.

Stillwater Insurance Discounts and Offers

Stillwater Insurance Group provides a variety of discounts to help customers reduce their premiums on both home and auto insurance policies. These discounts cater to diverse criteria, from the construction features of a home to the personal characteristics and behaviors of the policyholder, emphasizing Stillwater's approach to affordability, satisfaction and reward for responsible behaviors.

  • Accredited Builder Discount: Available if your home was constructed by an accredited builder, emphasizing quality and safety.
  • Claim-Free Discount: Rewards you for not filing claims over a certain period.
  • Gated Community Discount: Offers a reduction in premiums for homes located in gated communities, recognizing the lower risk of theft and vandalism.
  • Home Alarm Protection Discount: Provided for homes equipped with security systems.
  • Multi-Policy Discount: Applies when you bundle multiple types of insurance policies, such as auto and home.
  • Newly Acquired Home Discount: If you have recently purchased your home, you may qualify for additional savings.
  • Roof-Type Discount: Depending on the construction and materials of your roof, you could receive a discount.
  • Utility Upgrade Discount: Recognizes updates to your home’s electrical, plumbing, or heating systems by offering a discount for reducing the risk of fire and water damage.

Stillwater Insurance Customer Service

Stillwater Insurance is known for its reliable customer service, providing multiple channels for policyholders to make inquiries, have questions, manage policies, and file claims. Their services are accessible via phone, email, and through a user-friendly mobile app, ensuring that customers receive timely and effective support.

  • 24/7 Claims Reporting: Customers can report claims at any time through the phone or online, enhancing convenience and response speed.
  • Multi-Channel Support: Support is available through phone, email, and a mobile app, catering to different preferences for managing insurance matters.
  • Customer Satisfaction: Stillwater generally receives positive reviews for customer service, though experiences can vary by individual and situation. If you have any questions or need further assistance, please don't hesitate to reach out to us.

Stillwater Insurance Prerequisites and Requirements

Stillwater Insurance has straightforward requirements for those looking to obtain insurance policies and coverage. Prospective policyholders need to provide basic personal information and details about the property or vehicle to be insured, ensuring accurate coverage and premium calculation.

  • Personal Identification: Valid identification to verify the applicant's identity.
  • Property Details: Comprehensive information on the property or vehicle, including location, condition, and usage.
  • Risk Assessment Information: Details about past claims, security features, and any risk factors that might affect the policy.

Documents Required

Securing insurance with Stillwater requires submitting several key documents. These documents help ensure that all information is accurate for underwriting purposes and that coverage of the policy matches the specific needs and risks of the applicant.

  • Government-Issued ID: Such as a driver's license or passport.
  • Proof of Residence: Utility bills or lease agreements to confirm the address.
  • Property Documentation: Titles, deeds, or vehicle registration documents.
  • Claims History: Records of any previous insurance claims.

For those in Florida looking for tailored advice and assistance in gathering the necessary documents or exploring further insurance options, Worth Insurance is ready to help. Our expert team can guide you through the process smoothly and ensure you have all you need. Start by scheduling a consultation with us at Worth Insurance Consultation.

Application Process

The application process with Stillwater Insurance Group typically involves a few simple steps. To get started, you can either visit their website or contact an agent directly. On their website, you’ll usually find a clear “Get a Quote” button to begin the process. You’ll be asked to provide basic information about yourself and the property or vehicle you wish to insure.

Stillwater aims to make the experience as smooth as possible by working with Stillwater's agents to find the best coverage options. Be prepared to provide details regarding your insurance history, any prior claims, and specific characteristics of the asset you’re looking to cover. Having this information ready will streamline the application process.

How to Make a Payment

Stillwater Insurance Group offers several convenient ways to manage your payments. Their goal is to find how to make the payment process flexible and hassle-free for their customers.

You can choose from various payment methods depending on your preference. Here's a quick guide on how to make a payment with Stillwater:

  1. Online: Visit the Stillwater Insurance Group website and log in to your secure customer portal. You can make a one-time payment or set up recurring automatic payments.
  2. Phone: Call Stillwater's customer service number (found on their website) and provide your policy information to make a payment over the phone.
  3. Mail: Send a check or money order to the address indicated on your billing statement or on the Stillwater website.

How to File a Claim

Dealing with unexpected events can be stressful. Stillwater Insurance Group strives to make the claims process as straightforward as possible. If you need to file a claim, it's important to act quickly to ensure a smooth resolution.

Here's how to file a claim with Stillwater Insurance Group:

  1. Contact Stillwater: Report your claim as soon as possible. You can either call their 24/7 claims hotline (found on their website) or report the claim online through their customer portal.
  2. Provide Details: Be prepared to give your policy information and a detailed description of the incident, including the date, time, location, and any parties involved.
  3. Documentation: If possible, gather supporting documentation such as photos, videos, police reports, or repair estimates.
  4. Cooperate with the Adjuster: A claims adjuster will be assigned to your case and may contact you for further information or to schedule an inspection.

Stillwater Insurance Group Pros and Cons

Every insurance company comes with its own set of advantages and potential drawbacks. Before making a decision, it's wise to weigh the pros and cons of Stillwater Insurance Group. Here's a quick overview of what to consider:

Pros

  • Variety of coverage options
  • Competitive rates
  • 24/7 claims support
  • Online account management

Cons

  • Limited discounts
  • Occasional delays in claim processing

Who It's For: Stillwater Insurance Group is a suitable option for individuals and businesses seeking a balance between good coverage choices and affordable premiums. If you prioritize convenient online services and reliable claims support, Stillwater may be a strong contender.

Wrapping Up

Stillwater Insurance Group provides a solid insurance offering for many needs. However, it's always worth comparing options to ensure you get the best possible insurance coverage and rates. If you value personalized service, in-depth consultations, and finding the absolute best insurance fit for your needs, explore what Worth Insurance can offer. Get a free, no-obligation quote from Worth Insurance today.

Get In Touch

1
Fill Out the Contact Form
Start by filling out our online contact form.

Provide your details and specific insurance needs, and a representative from Worth Insurance will reach out to you promptly to discuss how we can help you find the right coverage.
2
Schedule a Consultation
After submitting the form, schedule a consultation at a time that suits you.

This one-on-one session will allow us to understand your requirements better and offer personalized advice on choosing the best insurance policies for your Florida home.
3
Receive Your Tailored Insurance Plan
Following the consultation, we'll craft a tailored insurance solution that fits your needs and budget.

We aim to provide you with a seamless and informative journey towards securing the right coverage for your home in Florida.
Written by
Darren Craft
Writer, Insurance
Read more from author
Darren Craft is a licensed insurance advisor. He has been an angel investor in a number of prominent fintech and insurtech startups.

Frequently Asked Questions

What is Stillwater Insurance Group’s average claim response time frame?

Stillwater Insurance Group provides 24/7 claims reporting, making it more convenient for policyholders to file claims. There is no official time frame guarantee when you file a claim, though the group does encourage customers to file a claim as soon as possible when there is an incident.

What is Stillwater Insurance Group's claims process?

You can make a claim online on their website by logging in and going to the “File a claim” section. Claims can also be filed by calling their claims department at 1-800-220-1351 or through their mobile app. 

For both auto and homeowners insurance claims, a Stillwater Insurance Group representative will be assigned to your case shortly after your claim has been filed to check whether or not your policy provides coverage for the sustained damages. 

After reporting a claim, it is a good idea to document the damages by taking photos of the scene. 

Does Stillwater Insurance Group have good insurance?

Stillwater Insurance Group offers various types of insurance policies, along with discount options for eligible customers. However, there are numerous negative reviews from customers, revealing that there may be difficulties that occur when filing claims. 

What is Stillwater Insurance Group’s customer service availability?

Customer service can be reached by calling 888-333-2120. Claims are able to be filed 24/7.

Does Stillwater Insurance Group create a user-friendly experience for customers?

Stillwater Insurance’s online website is fairly user-friendly for customers to navigate. There is a lack of official information on how the claims process works or what the claims response time frame is for Stillwater Insurance, even though there are multiple mediums through which you can file a claim. Stillwater Insurance Group also offers online bill pay, which is a useful feature. 

Is Stillwater Insurance Group a good insurance company?

Stillwater Insurance Group has been in the industry for twenty years and has a long-standing history. The insurance company offers a good variety of insurance policies for homeowners, renters, car owners, and more.