Stillwater Insurance Company Review
Free. Simple. Secure.
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+.
Company Overview
Stillwater Insurance Overview
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.
Pros and Cons
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:
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.
Financial Stability
Stillwater Insurance Company Financial Summary Table
Products and Packages
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.
Home Insurance
Stillwater's home insurance provides comprehensive coverage for homeowners, protecting their dwelling, personal belongings, and liability. This policy typically includes:
- Dwelling Coverage: Protection for the structure of your home against damage from covered perils.
- Personal Property Coverage: Coverage for your belongings, such as furniture, electronics, and clothing.
- Liability Coverage: Protection if you're held liable for injuries or property damage to others.
- Additional Living Expenses (ALE): Coverage for temporary housing and expenses if your home is uninhabitable due to a covered loss.
- Optional Coverages: Stillwater offers various endorsements to customize your policy, such as increased coverage limits, water backup protection, and more.
Renters Insurance
Stillwater's renters insurance is designed for those renting apartments or homes. It covers:
- Personal Property Coverage: Protection for your belongings against theft, fire, and other covered perils.
- Liability Coverage: Protection if you're held liable for injuries or property damage to others.
- Additional Living Expenses (ALE): Coverage for temporary housing if your rented space becomes uninhabitable.
Condo Insurance
Stillwater's condo insurance is tailored for condominium owners. It provides coverage for:
- Personal Property Coverage: Protection for your belongings.
- Liability Coverage: Protection if you're held liable for injuries or property damage.
- Coverage for the interior of the unit: Coverage for portions of the building that the condo owner is responsible for based on the HOA agreement.
- Loss Assessment Coverage: Coverage for assessments charged by the condo association for shared losses.
Auto Insurance
Stillwater's auto insurance provides coverage for vehicles, including:
- Liability Coverage: Protection for bodily injury and property damage you cause to others.
- Collision Coverage: Coverage for damage to your vehicle from a collision.
- Comprehensive Coverage: Coverage for damage to your vehicle from non-collision events, such as theft, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist Coverage: Protection if you're involved in an accident with a driver who has insufficient or no insurance.
- Medical Payments Coverage: Coverage for medical expenses resulting from an accident.
Business Insurance
Stillwater offers a range of business insurance products, tailored to meet the needs of various businesses. This can include:
- Commercial Property Insurance: Coverage for your business's physical assets.
- General Liability Insurance: Protection against claims of bodily injury or property damage.
- Business Owners Policy (BOP): A bundled policy that combines property and liability coverage.
- Commercial Auto Insurance: Coverage for vehicles used for business purposes.
- Workers' Compensation Insurance: Coverage for employee injuries sustained on the job.
Landlord Insurance
Stillwater's landlord insurance is designed for property owners who rent out their properties. It provides coverage for:
- Dwelling Coverage: Protection for the rental property's structure.
- Liability Coverage: Protection if you're held liable for injuries or property damage on your rental property.
- Loss of Rental Income: Coverage for lost rental income if the property becomes uninhabitable due to a covered loss.
- Optional Coverages: Various options to customize coverage for specific needs.
Umbrella Insurance
Stillwater's umbrella insurance provides additional liability coverage beyond the limits of your existing home, auto, or other policies. It offers:
- Increased Liability Limits: Extra protection in case of a major liability claim.
- Broader Coverage: Coverage for certain situations not covered by underlying policies.
- Peace of Mind: Protection for your assets and future earnings from substantial lawsuits.
Eligibility & Underwriting Requirements
Eligibility & Underwriting 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
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.
Customer Reviews & Service
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 Customer Reviews
How to Make a Payment
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:
- 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.
- Phone: Call Stillwater's customer service number (found on their website) and provide your policy information to make a payment over the phone.
- 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
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:
- 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.
- 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.
- Documentation: If possible, gather supporting documentation such as photos, videos, police reports, or repair estimates.
- 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.
Key Competitors
Key Competitors
Stillwater Insurance Company, originally founded as Fidelity National Property and Casualty Insurance Group, offers a broad range of insurance products, including homeowners, auto, renters, and business insurance. With a national presence and a focus on providing quality coverage and customer service, Stillwater competes with both large national insurers and other mid-sized companies that offer similar products and services.
Key competitors for Stillwater in the homeowners insurance market include companies like Nationwide and Liberty Mutual. These companies have a strong national presence and offer a wide array of insurance products, much like Stillwater. They are known for their comprehensive coverage options and strong financial stability, making them formidable competitors.
Additionally, Stillwater faces competition from companies like Travelers and The Hartford, both of which offer similar insurance products with a focus on providing personalized service and coverage options. These companies, like Stillwater, cater to customers looking for reliable insurance with customizable options.
Another competitor in the market is Safeco, a Liberty Mutual company, which offers a similar product lineup and is known for its customer service and extensive coverage options. Safeco’s strong presence in the homeowners and auto insurance markets makes it a significant competitor for Stillwater.
Overall, Stillwater Insurance Company’s emphasis on customer service, combined with its comprehensive product offerings, positions it well against these competitors, particularly for customers seeking a balance between coverage options and personalized service.
Conclusion
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.
Frequently Asked Questions
Frequently Asked Questions
What is Stillwater Insurance Company?
Stillwater Insurance Company is a national insurance provider offering a wide range of products, including homeowners, auto, renters, and business insurance. They are known for their focus on customer service and quality coverage.
What types of insurance does Stillwater offer?
Stillwater offers a variety of insurance products, including homeowners, auto, renters, and business insurance. They provide comprehensive coverage options tailored to meet the needs of individuals and businesses.
Is Stillwater Insurance financially stable?
Yes, Stillwater Insurance Company is financially stable. The company has strong financial ratings, indicating its ability to pay out claims and meet its financial obligations.
You have several convenient options to obtain a quote:
- Online: Visit Vault's website and complete their online quote request form.
- Phone: Call their dedicated team at (212) 972-7583 to discuss your needs and receive a personalized quote.
- Consultation: Reach out to Worth Insurance for expert guidance and a comparative quote, ensuring you find the perfect fit for your needs.
How can I get a quote from Stillwater Insurance?
You can get a quote from Stillwater Insurance by visiting their website or contacting their customer service. The process involves providing basic information about your insurance needs, and you can receive a customized quote quickly.
Vault offers 24/7 claims support, ensuring you receive prompt assistance whenever the unexpected occurs.
- General Claims: Call 1-844-388-LOSS (5677) or email CLAIMSFNOL@VAULT.INSURANCE
- Roadside Assistance: Call 1-833-741-1141 or click "GET HELP NOW" on their website.
- Glass Claims & Repair: Call 1-800-865-9501 or click "FIX MY GLASS" on their website.
- International Callers: Call 1-727-440-3559
Does Stillwater Insurance offer discounts?
Yes, Stillwater Insurance offers various discounts, including multi-policy discounts, safe driver discounts for auto insurance, and discounts for home safety features like alarm systems for homeowners insurance.
How does Stillwater Insurance handle claims?
Stillwater Insurance has a straightforward claims process. You can file a claim online, over the phone, or through their mobile app, and they strive to process claims efficiently with a focus on customer satisfaction.
Is Stillwater Insurance available in all states?
Stillwater Insurance operates in most states across the U.S., offering a wide range of insurance products. However, the availability of specific products may vary by state.
What sets Stillwater Insurance apart from other insurance companies?
Stillwater Insurance differentiates itself through its commitment to customer service and personalized coverage options. They offer a broad range of insurance products and emphasize flexibility and responsiveness to their customers' needs.
Can I manage my Stillwater Insurance policy online?
Yes, Stillwater Insurance offers an online portal and mobile app where you can manage your policy, make payments, and file claims, providing convenience and ease of access.
Does Stillwater Insurance offer flood insurance?
Yes, Stillwater Insurance offers flood insurance as part of their homeowners insurance package or as a separate policy, depending on the location of your property and your coverage needs.
How does Stillwater Insurance determine its premiums?
Premiums with Stillwater Insurance are determined based on several factors, including the type of coverage, the location of the property, the insured’s claims history, and the selected coverage limits.
What should I do if I need to update my Stillwater Insurance policy?
If you need to update your policy, you can do so through Stillwater’s online portal, mobile app, or by contacting their customer service. They can assist with adjusting your coverage, adding endorsements, or making other necessary changes.
