Stillwater insurance reviews

Here are the top best Stillwater insurance reviews voted by users and compiled by us, invite you to learn together

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stillwater insurance reviews

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The Stillwater Insurance Group offers a wide range of products and services. It aspires to be one of the most respected insurance providers in the United States by setting and achieving one of the highest standards in quality products, service, and customer experience.

In Stillwater, you find:

Meets the changing needs of homeowners, auto, and business insurance.

High expectations of customer service and claims

They are ready to assist their clients when needed.

stillwater insurance reviews

The Better Business Bureau has awarded them an A+ rating. They are recognizing their commitment to transparency, responsiveness, integrity, and keeping their promises. In addition, they are rated A- (Excellent) by AM Best, the industry’s most trusted rating agency.

Taking precautions to find the right insurance company is essential when you need to insure your most valuable assets. There are some upstart property and casualty insurers that offer similar services to their established counterparts. Fidelity National Financial (FNF), a leading finance and mortgage company based in Jacksonville, Florida, has an offshoot called Stillwater Insurance Group.

After several years of acquisitions, the property and casualty division of FNF was rebranded as Stillwater Insurance Group in 2016.

This company offers multiple lines of insurance, such as auto and home insurance, in all 50 states and is able to customize coverage to meet your needs.

Stillwater auto insurance

While Stillwater Insurance has only been around for 20 years and is considered a relatively new insurance company, its auto insurance policy offers a variety of coverage options at a reasonable price. The process of securing your vehicle with Stillwater’s car insurance policy is straightforward regardless of your current insurance status.

Coverage types

Stillwater offers a variety of typical auto insurance coverage options, including:

  • Liability coverage: Liability coverage protects you against damages to other vehicles, people, or property when you are at fault in an accident. Liability coverage is mandatory in almost all states.

  • If your vehicle is damaged in a collision, collision coverage pays for the expenses.

  • Expenses associated with theft, vandalism, weather, or a run-in with an animal, such as a deer, are covered by this option. Comprehensive coverage is also known as “other than collision” coverage.

  • A personal injury protection policy (PIP) pays medical expenses for you and your passengers after an accident. Some states require it.

  • In case your vehicle is not drivable due to an insured loss, this optional coverage pays for the cost of a rental car.

  • Assistance on the road: Optional coverage for roadside assistance can cover jump starts, towing, locksmiths, and tire changes.

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In addition to offering affordable rates, Stillwater car insurance also offers a variety of discounts, including:

  • Buying multiple policies with the company, such as auto and home insurance.

  • Multiple vehicles: Insuring more than one vehicle with Stillwater.

  • For a vehicle that has anti-theft and safety features.

  • A clean driving record: For being a safe driver.

  • Good student: Full-time students with a B average or higher GPA.

  • Full payment: For paying your annual premium in one lump sum.

Home insurance in Stillwater

In addition to homeowners insurance, Stillwater offers auto insurance. Covering your house with Stillwater is simple and affordable.

Coverage types

You can choose from a number of standard coverage options with Stillwater home insurance, including:

  • Coverage for your home and attached structures in the event of severe weather, fire or other perils.

  • Detached structures: Coverage for detached structures such as a barn or shed.

  • Your personal property includes furniture, electronics, clothing, and other belongings you own.

  • Loss of use: You are covered for additional living expenses if your house becomes uninhabitable due to a covered claim.

Among the additional coverage options are:

  • Identity theft coverage: Recover your data if you are a victim of identity theft.

  • Homeowners, condo and renters policies offer this optional liability coverage that provides coverage for slander, libel, detention, false arrest, and wrongful eviction.

  • The replacement cost coverage pays for the rebuilding cost of your house, even if it exceeds the market value.

  • Back-up of a sewer or drain line: Pays for expenses incurred due to water damage caused by back-up.


It is always a good thing to be able to reduce your premium by taking advantage of available discounts, even though Stillwater is known for having reasonable rates. Stillwater offers a variety of discounts, including:

  • Discounts are offered to policyholders who are claims-free for a certain number of years.

  • You get a discount if your house is equipped with safety features such as sprinklers, smoke and burglar alarms, storm shutters or reinforced roofing.

  • When you combine your auto and home insurance policies, you save money.

  • If your home was just built or is under 10 years old, you might be able to save some money.

  • When you choose to carry a higher deductible amount, you may be able to save money on your insurance premiums. If you file a claim, you should make sure you can afford the higher deductible since the out-of-pocket expenses will be greater.

Stillwater is a good choice because of these reasons

It can be difficult to find affordable insurance, and if your credit is bad or if you have lapses in your coverage, you may struggle to find options that are affordable. With Stillwater Insurance, coverage is available to all without breaking the bank, and even in its short time in the industry, the company has established a reputation for being an affordable insurer that offers all the options. In addition to being available across the country, the policies might also differ based on location.

Stillwater might not be the best option for you if you’re looking for robust coverage. In addition, the standard property insurance policy excludes personal liability coverage (although it can be added as an option) and medical payments coverage, and the personal property coverage excludes computers.


“This is based off first claim filed with homeowners insurance. Process can be lengthy as expected, but the adjuster I was assigned stayed in communication throughout the process. Professional and friendly.”


“I had a policy on my home for 4 years prior to being denied a claim for a fire in my shop in May of 2021. Stillwater and their attorney, a very rude individual in himself, determined that my hobby woodworking was a business since I had received over $2000 in repayment from family and friends for lumber. This company only cares about taking your money and not helping you when you need them even when you have paid your premiums in good faith for years prior.”


“Expressly told agent that we DO have dogs. They sent the insurance contract, dogs weren’t listed. Called to have it corrected, learn that this company doesn’t cover certain breeds. No problem, we would find a company that does. However, we had to spend 20 minutes on the phone being argued with about canceling our policy. Representative implied that we could”


“Stillwater does not have auto payment. Stillwater failed to handle my claim. Stillwater did not help me or pay me even though I contested the claim. Stillwater stated since the HOA put a temp patch, the constitutes as work being done, therefore they will not fix the problem and I will have to work with the HOA to resolve the problem.”


“In February 2019 I experienced windstorm damage. A claim was put in with leaks to my garage, kitchen, Living room and Den area. Stillwater had two of their own adjusters inspect my claim, the first one low balled my claim, my public adjuster fought that and they sent another adjuster who saw the damage and wrote a more satisfying inspection, then Stillwater sent a Engineer out who chopped down the claim as they were paid to do by Stillwater. To send a third person out not only to inspect but to discredit their own adjusters findings is very shady. I looked up reviews on Stillwater and they do not like to payout for claims. I will search for a new homeowners policy. Homeowners stay away from this company!”


“The entire process from the start has been very smooth and positive. The price and coverage of our policy is excellent. The only thing I would recommend is for the company to update their website and make it a bit more user friendly and easier to make payments.”


“Great rates and insurance. I just wish on the auto they offered monthly payments. I was only allowed to pay every 3 months.”


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