Stillwater Insurance Home Insurance Review: Service, Cost, & More (2024)

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ByMark Fitzpatrick
Edited byStephanie Olsen
ByMark Fitzpatrick
Edited byStephanie Olsen

Updated: May 22, 2024

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checkmarkAvailable in all 50 states
checkmarkScores 4.6 out of 5 in affordability
checkmarkProvides unique coverages


closeModerate financial stability


MoneyGeek gives Stillwater Insurance an overall satisfaction score of 86 out of 100. Its NAIC score, which reflects customer complaints, is on par with most other insurers, while its homeowners insurance rates are cheaper than the national average. Stillwater Insurance also offers policyholders unique add-on coverages and other insurance products, so it may potentially be a homeowner’s one-stop-shop.

Does Stillwater Insurance Have Good Customer Service?

With a MoneyGeek score of 86 out of 100, Stillwater Insurance performs well in customer satisfaction and affordability but scores slightly lower in terms of financial stability. That can be important when it comes to how quickly any claims you make are processed.

Customer Satisfaction Rating

Customer satisfaction gauges a policyholder’s experience with an insurance company, especially when filing claims. Out of a score of 5, Stillwater Insurance received 4.2 in terms of customer satisfaction, based on findings by J.D. Power.

Customer Complaint Index

Another way to check an insurer’s customer satisfaction is through the National Association of Insurance Commissioners (NAIC) Customer Complaint Index. Stillwater Insurance has a customer complaints score of 1.05, which means it receives around the same number of complaints as the average insurer.

Financial Stability Rating

Financial stability refers to an insurer’s ability to pay and support your claim. Stillwater Insurance earned an A- on financial stability from AM Best, indicating that Stillwater Insurance has an excellent ability to meet its ongoing insurance obligations.

What to Expect From Stillwater Insurance Homeowners Insurance

Setting up your homeowners insurance policy can be confusing. The process changes with each company, with some offering online-only registration and others requiring that you talk to an agent or visit their office in person. MoneyGeek outlines the steps below, so you know what to expect when you set up your Stillwater Insurance homeowners insurance.

Getting a quote

Stillwater Insurance offers personalized quotes on its website. MoneyGeek also gathered quotes from this insurer, which you can see listed below.

Customer support

You can call Stillwater Insurance Monday through Friday from 8 a.m. to 9 p.m. EST and on Saturday between 8 a.m. and 3 p.m. at 1-855-712-4092. The insurer also has an email address at

Filing a claim

Stillwater Insurance policyholders can use their account to file a claim online or on its mobile app. You can also call their number at 1-800-220-1351 or email

Canceling your policy

If you’re looking to cancel Stillwater Insurance homeowners insurance, you can contact customer service at 1-855-712-4092.

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Policyholders can file a claim online, through the mobile app or by contacting their customer service at 1-800-220-1351 during their business hours Monday through Friday from 8 a.m. to 9 p.m. and on Saturday from 8 a.m. to 3 p.m. EST. You can also email them at

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You can choose Stillwater Insurance as your homeowners insurance provider nationwide, as the company offers its services in all 50 states.

How Much Does Stillwater Insurance Homeowners Insurance Cost?

To find out the cost of Stillwater Insurance homeowners insurance, you can talk to a representative or get a personalized quote on their website. For dwelling coverage of $250,000, a homeowners policy from Stillwater Insurance costs $1,460 per year on average compared to the national average of $1,979 per year. However, costs can vary depending on your home’s age, construction type, location and more.

Dwelling Coverage
Annual Premium











Many different factors can influence how much your Stillwater Insurance homeowners insurance costs, including where you live, and the replacement cost coverage, personal coverage and deductible you select.

While the amount of home insurance coverage you need depends on your home’s value, $250,000 dwelling coverage is a good place to start. Keep in mind that you still need to choose limits for other coverages like personal liability.

Below, you’ll find MoneyGeek’s home insurance calculator to help you get an estimate according to your chosen coverage limits.

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In the short term, choosing a smaller coverage limit and deductible will keep your monthly premiums low. However, if the worst happens and you need to rebuild your home, your out-of-pocket costs can easily make a bad situation even worse.

What Discounts Does Stillwater Insurance Offer?

Stillwater Insurance has nine discounts, which is two more than the industry average. They offer relatively unique discounts such as the Green Home discount, where homeowners can save a bit of money on their policy if they recently got a utility upgrade. Stillwater Insurance has a discount for homeowners who are claims-free for several years before purchasing a policy from the insurer.


Accredited Builder

If you’re using a builder that is accredited, you may be eligible for a discount.

Age of Insured

You may be able to get a discount based on your age.

Automatic Sprinkler

You might be able to get a discount if your property has automatic sprinklers.

Home Alarm Protection

Homeowners with protective devices like home alarms can use this discount.

Claims Free

Being claims-free for several years prior to purchasing Stillwater homeowners insurance policy can save you money.

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Stillwater Insurance offers bundling, so if you have more than one policy through them, you can use this discount to save. Other options are protective devices and fire mitigation discounts, which are ideal for homeowners. You may wish to look into their marital status discount as well to see if you qualify.

Which Coverage Types Does Stillwater Insurance Offer?

Stillwater Insurance homeowners insurance covers dwelling, personal property, personal liability, other structures, medical payments and loss of use. The provider offers eight optional coverages, which is noticeably more than the industry average of five.

Three of Stillwater Insurance’s optional coverages are unique. For instance, animal liability is an add-on that covers you if there is property damage or injury caused by your pet.

You’ll find a list of endorsements that Stillwater Insurance policyholders can add to their policy.

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MoneyGeek has obtained quotes for Stillwater Insurance for coverage limits ranging from $250,000 to $3 million. Coverage limits are usually based on the information you give your insurance provider. It’s uncommon for insurers to provide a list from which you can choose your coverage level.

Below you’ll find Stillwater Insurance endorsements you can choose if you want extra protection for your home. Each optional coverage is explained so you can determine if you need it.

Extended Replacement Cost

This coverage temporarily increases your policy's dwelling coverage limits if your home is damaged or destroyed by a covered event and costs of construction supplies and labor go up.

Personal Property Replacement Cost

In case your items are stolen or damaged, you’ll be paid the full replacement cost instead of its depreciated value.

Animal Liability

This covers you in the event that you’re legally liable for property damage or another person’s injury caused by your pet. The injured person will be reimbursed for their medical bills or you’ll be reimbursed for the cost of repair for damages.

Identity Theft Expense Recoupment

If your personal information is stolen and used for fraudulent transactions, you’ll be reimbursed for any financial loss and legal costs to help restore your identity.

Personal Injury

You can get coverage for protection in the event you’re sued and liable for a personal injury like slander or defamation. You’ll be reimbursed for any damages you owe to the other person and for legal defense costs.

Scheduled Personal Property

Get protection for your high-value items like jewelry, furs or luxury goods.

Special Personal Property

This is an upgrade from the standard policy. It reimburses you for damage to your personal property from all types of risk instead of the 17 “named perils” in the standard Stillwater Insurance policy contract.

Water Back-Up

Receive reimbursement if water from a clogged drain or sump pump damages your property. Note that any reimbursement from Stillwater Insurance will not exceed your coverage limits.

When shopping for homeowners insurance, be sure to compare quotes and companies to get a policy that suits your needs. Your desired company should offer the standard coverages (which MoneyGeek enumerates below).

Coverage for flood, insect damage and earthquake isn’t typically included in homeowners policies. But if you live in an area prone to these risks, choose a provider that includes it or allows you to purchase it as an add-on.

How much homeowners insurance you need is based on your personal situation, but at a minimum, it’s good to have the following standard coverages:

Personal Property
Personal Liability
Other structures
Medical payments
Loss of use

What Online Insurance Tools Does Stillwater Insurance Offer?

Stillwater Insurance has online tools on its website and a mobile app to help policyholders pay bills, file claims and manage their account. While other features aren’t widely available to non-customers, they can use the online quote tool of Stillwater Insurance.

Online quote tool
Mobile app
Flexible payment options
Online bill payment
File claims online

Other Insurance Products from Stillwater Insurance

Homeowners looking for other Stillwater Insurance products can browse the table below. The insurer offers condo, auto, business, landlord and umbrella insurance.

It may be more convenient for you to have all your policies with one insurance provider. Stillwater Insurance offers a discount when you bundle your auto insurance with your homeowners policy, so it may be worth looking into bundling.

Type of Product

Condo insurance

You can get protection for your personal belongings and space. Stillwater Insurance also offers discounts and deductibles.

Auto insurance

With Stillwater Insurance, it’s possible to choose a policy that fits your individual needs based on coverage level and extra coverages. You can also get several discounts to save money.

Business insurance

Stillwater Insurance covers small to medium-sized businesses, offering coverage for contents and equipment, buildings and basic liability.

Landlord insurance

If you own a non-commercial rental home, you may benefit from this policy. Stillwater Insurance for landlords allows you to personalize your policy and has liability coverage.

Umbrella insurance

This supplements your policy, whether for auto, home or recreational vehicle insurance. Stillwater Insurance offers flexible rates and coverage levels.


To evaluate Stillwater Insurance as a homeowners insurance company, MoneyGeek analyzed the Stillwater Insurance website, manually collected quotes and consulted consumer intelligence organizations such as J.D. Power, the NAIC and AM Best.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.