Stillwater Insurance is a national insurance company that offers auto, home, renters, condo, and business insurance products.
The company was founded in 2000 as Fidelity National Property and Casualty Insurance Group and rebranded as Stillwater Insurance Group in 2013.
Stillwater Car Insurance
Stillwater car insurance provides standard coverage options such as liability, collision, comprehensive, medical payments, rental reimbursement, and towing. The company also offers some optional coverages such as gap insurance, which pays the difference between the actual cash value of your car and the amount you owe on your loan or lease if your car is totaled. Stillwater car insurance has some pros and cons that you should consider before buying a policy.
Pros and Cons
Some of the pros of Stillwater car insurance are:
- Online portal and mobile app available for policy management and claims filing
- A variety of discounts are available to help save on car insurance, such as accident-free, good driver, good student, multi-car, multi-policy, paid-in-full, and paperless
- Flexible payment options, including monthly, quarterly, or annual payments
Some of the cons of Stillwater car insurance are:
- Not ranked in J.D. Power’s 2022 Auto Insurance Study or Auto Claims Satisfaction Study, which measures customer satisfaction with pricing, coverage, claims, and service
- Higher than average number of complaints for its auto insurance product, according to the National Association of Insurance Commissioners (NAIC) Complaint Index
- Limited endorsement options for personalizing auto insurance policies, such as roadside assistance, accident forgiveness, or new car replacement
Cost and Discounts
The cost of Stillwater car insurance depends on various factors, such as your age, driving history, location, vehicle type, and coverage level. According to Bankrate, average premiums for Stillwater car insurance are unavailable, and it does not appear they offer online quoting for auto insurance in all states. However, you can request a quote from Stillwater by calling or contacting an agent near you.
Stillwater offers several discounts to help you lower your car insurance premium, such as:
- Accident/Violation Free: If you have no accidents or violations on your driving record for the past three years
- Good Driver: If you have no accidents or violations on your driving record for the past five years
- Good Student: If you are a full-time student under 25 years old with a B average or better
- Multi-Car: If you insure more than one vehicle with Stillwater
- Multi-Policy: If you bundle your auto and home policies with Stillwater
- Paid-in-Full: If you pay your annual premium in one lump sum
- Paperless: If you sign up for electronic delivery of your policy documents and bills
- Theft Protection and Safety Device: If your vehicle has anti-theft devices or safety features such as airbags or anti-lock brakes
Tools and Benefits
Stillwater offers some tools and benefits to make your car insurance experience more convenient and hassle-free, such as:
- Online portal: You can access your policy information, make payments, view documents, and request changes online
- Mobile app: You can manage your policy, file claims, upload photos and documents, and contact customer service from your smartphone
- Claims center: You can report a claim 24/7 online, by phone or through the mobile app. You can also track the status of your claim and communicate with your adjuster online
- Customer service: You can reach customer service representatives by phone or email from Monday to Friday from 8 a.m. to 9 p.m. EST and Saturday from 8 a.m. to 3 p.m. EST
Stillwater Home Insurance
Stillwater home insurance covers your dwelling, personal property, personal liability, other structures, medical payments, and loss of use. The company also offers eight optional coverages, which is noticeably more than the industry average of five. Three of Stillwater’s optional coverages are unique: animal liability, identity theft expense recoupment, and personal injury. Stillwater home insurance has some pros and cons that you should consider before buying a policy.
Pros and Cons
Some of the pros of Stillwater home insurance are:
- Available in all 50 states except Louisiana.
- Below-average rates compared to the national average, according to Policygenius.
- A long list of discounts is available to help save on home insurance, such as bundling, loyalty, new home purchases, and protective devices.
- Wide range of coverage add-ons to customize your policy according to your needs.
Some of the cons of Stillwater home insurance are:
- Moderate financial strength rating from AM Best (A-), which indicates its ability to pay claims in the event of a disaster.
- Not rated by J.D. Power for customer satisfaction with home insurance or home insurance claims.
- No online quoting option for home insurance, which means you have to call or contact an agent to get a quote.
Cost and Discounts
The cost of Stillwater home insurance depends on various factors, such as your home’s location, size, age, condition, construction, security, and coverage level. According to MoneyGeek, Stillwater’s average annual premium for $250,000 in dwelling coverage is $1,140, which is lower than the national average of $1,312.
Stillwater offers several discounts to help you lower your home insurance premium, such as:
- Bundling: If you combine your home and auto policies with Stillwater
- Loyalty: If you renew your policy with Stillwater
- New Home Purchase: If you buy a new home or switch to Stillwater within 12 months of purchase
- Protective Device: If your home has smoke detectors, fire extinguishers, burglar alarms or sprinkler systems
- Claims-Free: If you have no claims on your home insurance for the past three years
- New Roof: If your roof is less than 10 years old or has impact-resistant shingles
- Gated Community: If your home is located in a gated community with security guards or cameras
- Paperless: If you sign up for electronic delivery of your policy documents and bills
Tools and Benefits
Stillwater offers some tools and benefits to make your home insurance experience more convenient and hassle-free, such as:
- Online portal: You can access your policy information, make payments, view documents, and request changes online
- Mobile app: You can manage your policy, file claims, upload photos and documents, and contact customer service from your smartphone
- Claims center: You can report a claim 24/7 online, by phone, or through the mobile app. You can also track the status of your claim and communicate with your adjuster online
- Customer service: You can reach customer service representatives by phone or email from Monday to Friday from 8 a.m. to 9 p.m. EST and Saturday from 8 a.m. to 3 p.m. EST
Stillwater Customer Satisfaction
Customer satisfaction is an important factor to consider when choosing an insurance company. It reflects how well the company meets the expectations and needs of its customers, especially when it comes to pricing, coverage, claims, and service. Unfortunately, Stillwater does not have many customer satisfaction ratings from independent sources, which makes it hard to evaluate its performance compared to other insurance companies.
Auto Satisfaction
Stillwater’s auto insurance was not rated in J.D. Power’s 2022 Auto Insurance Study or Auto Claims Satisfaction Study, which measures customer satisfaction with pricing, coverage, claims, and service. In the NAIC Company Complaint Index Report, Stillwater’s private passenger auto product has an index of 1.62, indicating it receives more complaints than expected based on its market share.
Homeowners Satisfaction
Stillwater’s homeowner insurance was not rated in J.D. Power’s 2022 Home Insurance Study or Property Claims Satisfaction Study, which measures customer satisfaction with pricing, coverage, claims, and service. In the NAIC Company Complaint Index Report, Stillwater’s homeowners product has an index of 0.97, indicating it receives about the same number of complaints as expected based on its market share.
How to File a Claim?
If you need to file a claim with Stillwater, you have three options:
- Online: You can submit a claim online through the claims center on the website or the mobile app. You will need to provide some basic information about yourself, your policy, and the incident. You can also upload photos and documents related to your claim.
- Phone: You can call the toll-free number (800) 220-1351 to report a claim 24/7. You will need to provide some basic information about yourself, your policy, and the incident. You can also fax any documents related to your claim to (800) 491-7683.
- Agent: You can contact your local agent to report a claim or get assistance with the claims process. Your agent can help you understand your coverage and guide you through the steps.
After you file a claim, you will receive a confirmation email with your claim number and adjuster’s contact information. Your adjuster will review your claim and contact you within one business day to discuss the details and next steps. Your adjuster will also inspect the damage or loss, evaluate the repair or replacement costs, and negotiate a settlement with you or any third parties involved.
You can track the status of your claim online through the claims center on the website or the mobile app. You can also communicate with your adjuster online by phone or by email. Depending on the type and complexity of your claim, it may take several days or weeks to resolve.
Stillwater Insurance Group
Stillwater Insurance Group is a national insurance company that offers a variety of insurance products for individuals and businesses. The company was founded in 2000 as Fidelity National Property and Casualty Insurance Group, a subsidiary of Fidelity National Financial, Inc. In 2013, the company rebranded as Stillwater Insurance Group and became an independent entity. Stillwater’s headquarters are located in Santa Barbara, California, and it has regional offices in Jacksonville, Florida, and Omaha, Nebraska.
Stillwater’s mission is to provide quality insurance products and services to its customers, agents, and partners. The company values integrity, innovation, teamwork, and customer focus. Stillwater aims to be a leader in the insurance industry by offering competitive rates, comprehensive coverage, convenient online tools, and excellent customer service.
Corporate Sustainability
Stillwater is committed to corporate sustainability and social responsibility. The company supports various environmental, educational, and charitable causes through its corporate giving program. Some of the organizations that Stillwater has donated to include:
- American Red Cross: Stillwater has supported the American Red Cross in its disaster relief efforts, blood donation drives, and humanitarian services.
- Habitat for Humanity: Stillwater has partnered with Habitat for Humanity to build affordable homes for low-income families in the communities where it operates.
- United Way: Stillwater has contributed to the United Way’s annual campaign to fund programs that address health, education, and financial stability issues.
- Junior Achievement: Stillwater has sponsored Junior Achievement’s programs that teach financial literacy, entrepreneurship, and work readiness skills to students.
Comparison With Other Insurance Companies
Stillwater competes with other insurance companies in the market, such as State Farm, Allstate, GEICO, and Progressive. According to Policygenius, some of the factors that differentiate Stillwater from its competitors are:
- Availability: Stillwater offers auto and home insurance in all 50 states except Louisiana, while some of its competitors have limited availability in certain states or regions.
- Coverage options: Stillwater offers more optional coverages for home insurance than the industry average, such as animal liability, identity theft expense recoupment, and personal injury. However, it offers fewer endorsement options for auto insurance than some of its competitors, such as roadside assistance, accident forgiveness, or new car replacement.
- Discounts: Stillwater offers a variety of discounts for both auto and home insurance, such as bundling, loyalty, new home purchases, and protective devices. However, some of its competitors offer more discounts or higher savings for certain categories, such as military, senior, or student discounts.
- Customer satisfaction: Stillwater does not have many customer satisfaction ratings from independent sources, which makes it hard to evaluate its performance compared to other insurance companies. However, based on the NAIC Complaint Index Report, Stillwater receives more complaints than expected for its auto insurance product and about the same number of complaints as expected for its home insurance product.
