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Stillwater home insurance review: A+ coverage add-ons & discount opportunities

Stillwater home insurance comes with below-average rates, 15 discount opportunities to save even more, and a whopping 20+ coverage add-ons.

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By

Jennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Edited by

Colin LalleyColin LalleyContent Director, Home & Auto InsuranceColin Lalley is the content director for home and auto insurance at Policygenius, where he's been writing about insurance since 2015. His insights have been featured in Inc. Magazine, Betterment, Chime, Credit Seasame, Zola, and the Council for Disability Awareness.
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Reviewed by

Ian Bloom, CFP®, RLP®Ian Bloom, CFP®, RLP®Certified Financial PlannerIan Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

Updated

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Stillwater

Stillwater logo

Policygenius rating

Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
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4.5

AM Best rating

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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The bottom line

Stillwater Insurance home insurance is a great option if you’re looking for low rates, a ton of discount opportunities, and lots of coverage add-ons. It’s also willing to work with homeowners who’ve had a lapse in coverage — rare to find in the insurance industry. 

But if you’re looking for an insurer with stellar customer service ratings, you might want to look elsewhere. It’s difficult to judge what your claims and digital experience would be with Stillwater Insurance Group since it wasn’t included in any of J.D. Power’s 2022 customer satisfaction surveys. It also doesn’t have the highest financial strength rating with AM Best compared to other insurers we reviewed.

In this review

1.

Pros

2.

Cons

3.

Basic coverages offered

4.

Additional coverages offered

5.

Rating methodology

6.

Stillwater vs. other home insurance companies

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In this review

Pros

  • Insures homes that had a lapse in insurance coverage

  • Rates lower than the national average, plus 15 discounts to save even more

  • Offers a slew of coverage add-ons

Cons

  • Doesn’t have as strong financial strength rating as other insurers

  • Wasn’t included in J.D. Power’s 2022 customer satisfaction surveys

  • Not available in Louisiana

Basic coverages offered

Stillwater home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:

  • Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.

  • Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.

  • Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.

  • Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.

  • Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.

  • Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.

Additional coverages offered

The following coverages are either included or can be added to your Stillwater homeowners insurance policy for an additional cost: 

  • Extended replacement cost for your home: Extends your dwelling coverage limit up to 25% in the event rebuild costs exceed your policy limit after a covered loss.

  • Replacement cost for personal property: Pays to replace your personal belongings with new items, regardless of depreciation or wear and tear.

  • Water backup: Protects your home and belongings from water backup damage caused by a sump pump overflowing or clogged sewer.

  • Ordinance or law: Pays the extra cost of getting your home up to code after a covered loss.

  • Debris removal: Covers the cost to remove debris after a disaster.

  • Landscaping: Pays to replace plants, shrubs, and trees after a covered loss.

  • Inland flood: Covers the cost of inland flood damage caused by overflow of streams or rivers, rain accumulation or snowmelt, and mudflow.

  • Inflation guard: Increases your policy’s dwelling coverage limit to reflect the current construction and labor costs in your area due to inflation.

  • Service line: Pays to repair water pipes, power lines, and other utility lines that run through your property if they’re damaged by a covered loss. 

  • Sinkhole: Covers your home against damage caused by a sinkhole.

  • Mold, fungus, or rot damage: Pays for damage to your home and belongings caused by mold, fungus, or rotting.

  • Home system protection: Offers coverage for your refrigerator, air conditioner, water heater, and other appliances against perils not typically covered by a standard home insurance policy.

  • Scheduled personal property: Offers increased coverage limits for specific valuables, like jewelry, sports equipment, and fine artwork.

  • Special personal property: Upgrades your personal property coverage to include all types of risk — not just the named perils listed in Stillwater’s base policy.

  • Identity theft expense recoupment: This supplemental coverage pays for expenses that come with recovering your identity, as well as credit monitoring services after the loss.

  • Animal liability: Covers medical and legal bills if your dog, cat, or other pet injures someone or damages their property and you’re found legally responsible.

  • Personal injury: Expands liability coverage to include personal injury to others, such as slander, libel, wrongful eviction, or false arrest. 

  • Food spoilage: Pays up to $1,000 for food in your refrigerator or freezer that spoils due to a power outage or mechanical breakdown. 

  • Earthquake insurance: Covers your home and belongings against earthquake damage.

  • Personal umbrella insurance: Provides up to $5 million in  additional liability protection for expensive medical or legal bills you’re found legally responsible for.

  • Renters insurance: Includes coverage for the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.

  • Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.

  • Landlord insurance: Includes coverage for the structure of your rental property, liability situations, loss of rental income, and landlord furnishings and appliances..

Ratings methodology

Price

4.6/5

Stillwater Insurance scores well on our price rating scale thanks to its average annual home insurance rate of $1,589 — 18% cheaper than the national average — and over a dozen discount opportunities to save even more on your premiums.

Customer experience

4.0/5

Stillwater Insurance wasn’t included in J.D. Power’s 2022 overall customer satisfaction, claims satisfaction, or digital experience surveys. This means its customer experience score is based solely on the National Association of Insurance Commissioners (NAIC) Complaint Index Report. In 2021, Stillwater had around 30% fewer complaints than similar insurance companies of its size.

Coverage options

4.6/5

Stillwater Insurance earns a high score on our coverage options rating scale thanks to the slew of coverages you can add on to your policy, including extended replacement cost coverage for your home and replacement cost coverage for your personal belongings, water backup and service line coverage, inland flooding protection, inflation guard coverage, and more.

Financial strength

3.0/5

Founded in 1990, Stillwater Insurance Group is still a relatively new insurance company so it doesn't yet have ratings with credit agencies Standard & Poor’s or Moody's. This means its financial strength rating is based solely on its A- score with leading insurance rating agency AM Best.

How much does Stillwater Insurance home insurance cost?

The average cost of home insurance with Stillwater is $1,589 per year for a policy with $300,000 in dwelling coverage — that’s 18% cheaper than the national average. Actual rates will vary based on location, policy limits, coverages, claims history, and other factors.

Compare home insurance quotes from Stillwater Insurance and other top insurers

What discounts does Stillwater Insurance offer?

You can save on the cost of Stillwater home insurance if you qualify for any of these discounts:

  • Accredited builder: If your home was built by an accredited builder.

  • Age of home: If your home is a newer build.

  • Age of insured: If you’re 40 years old or older.

  • Age of home systems: If your home has newer electrical, heating, or plumbing systems.

  • Automatic sprinkler: If you have automatic sprinklers installed.

  • Claim-free: If you go so many years without filing a claim.

  • Employee: If you currently work for Stillwater, you’ll save up to 10% on your home insurance policy.

  • Gated community: If your home is in a gated community.

  • Home alarm protection: If you have fire, smoke, burglar, or other home monitoring systems installed. 

  • Marital status: If you’re married and live with your spouse, live with your registered domestic partner, or are widowed.

  • Multi-policy: If you bundle your home insurance with another insurance policy with Stillwater.

  • Newly acquired home: If you purchased your home within the last five years, you could save up to 10% on rates. 

  • Roof type: If your roof is newer or built with storm-resistant materials.

  • Superior construction: If your home was built with fire-resistant and non-combustible materials.

  • Utility upgrade: If you recently updated your utility lines.

Stillwater home insurance state availability

Stillwater offers home insurance policies in all states except Louisiana.

What to expect with Stillwater home insurance

  • How to get a quote: You can get a Stillwater home insurance quote online through Policygenius or Stillwater’s website, by calling 866-663-7129, or by emailing agent.appointment@stillwater.com.

  • Customer service options: You can get in touch with a Stillwater Insurance customer service rep by calling 855-712-4092 or emailing ins@stillwater.com.

  • How to file a claim: You can file a Stillwater home insurance claim 24/7 by calling 800-220-1351, emailing lossnotices@stillwater.com, or logging in to your online account or the Stillwater mobile app.

  • How to cancel your policy: You can cancel your Stillwater Insurance home insurance policy by calling 855-712-4092.

Stillwater vs. other home insurance companies

Compare Stillwater Insurance to other popular insurers in the industry:

Company

Policygenius rating

AM Best rating

Cost

Stillwater

4.5/5

A-

$$$

Auto-Owners Insurance

5.0/5

A++

$$

USAA

4.9/5

A++

$$

State Farm

4.8/5

A++

$$$$

State Farm

4.8/5

A++

$$$$

State Farm

4.8/5

A++

$$

State Farm

4.8/5

A++

$$$

State Farm

4.8/5

A++

$$$

Amica

4.6/5

A++

$$$

The Hartford

4.6/5

A+

$$$$

Allstate

4.5/5

A+

$

American Family

4.5/5

A

$$$

American Family

4.5/5

A

$$$

Encompass

4.5/5

A+

$$$$

Erie

4.5/5

A+

$$

Farmers

4.5/5

A

$$$

Nationwide

4.5/5

A+

$$$

Progressive

4.5/5

A+

NA

Allstate

4.4/5

A+

$$$

Allstate

4.4/5

A+

$$$

Allstate

4.4/5

A+

$$$

Country Financial

4.4/5

A+

$$$$

Travelers

4.4/5

A++

$$

Travelers

4.4/5

A++

$$

Travelers

4.4/5

A++

$$

Travelers

4.4/5

A++

$$

AAA

4.3/5

A

$$$

Hippo

4.3/5

A-

$$

Homesite

4.3/5

A

$$

Liberty Mutual

4.3/5

A

NA

Liberty Mutual

4.3/5

A

NA

Safeco

4.3/5

A

$$$

Safeco

4.3/5

A

$$$

Mercury

4.1/5

A

$$$

Lemonade

4.0/5

NA

NA

Geico

3.9/5

A++

NA

Swyfft

3.5/5

A-

NA

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Frequently asked questions

Is Stillwater Insurance part of Geico?

Stillwater Insurance is one of Geico’s partner insurance carriers.

What is Stillwater Insurance’s claims phone number?

The Stillwater Insurance claims phone number is 800-220-1351.

What is Stillwater Insurance's phone number?

The Stillwater Insurance phone number for general questions is 855-712-4092.

Author

Senior Managing Editor & Home Insurance Expert

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Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Editor

Content Director, Home & Auto Insurance

gray twitter icon linkgray linkedin icon link

Colin Lalley is the content director for home and auto insurance at Policygenius, where he's been writing about insurance since 2015. His insights have been featured in Inc. Magazine, Betterment, Chime, Credit Seasame, Zola, and the Council for Disability Awareness.

Expert reviewer

Certified Financial Planner

gray twitter icon linkgray linkedin icon link

Ian Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

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