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Stillwater Insurance was founded in 2000 as a subsidiary of Fidelity National Financial, a mortgage and title services company, and spun out as a stand-alone entity in 2012. They offer coverage in all 50 states and distribute through thousands of independent agents.

Here’s everything you need to know about Stillwater Insurance:

What’s protected with Stillwater insurance?

Stillwater offers home, auto, landlord, umbrella, and business insurance. They are a highly selective carrier and target the preferred risk segment of the insurance market. Preferred risk means that if you qualify for a policy with Stillwater, the chances are high that the pricing will be competitive. To meet their underwriting guidelines, you need to have good credit, an updated home, and minimal loss history.

Their policies follow the ISO standard forms used by most of the industry, which makes it easy for you to compare coverages. They offer standard add-ons, such as water backup, identity theft coverage, and scheduled jewelry coverage.

Stillwater has recently released a mobile app on both iOS and Android to allow further customization and management of your policy after you purchase.

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  • Compare quotes from highly rated home insurance carriers in your area
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How much does Stillwater insurance cost?

Stillwater offers many discounts and can be a great option if you have a high credit score, no loss history, and a newer home. Sometimes it makes sense to bundle your home and auto with Stillwater, though their auto products are not yet available nationwide. Stillwater is also making investments in technology, making it easier to communicate with the carrier digitally.

Stillwater reviews

Stillwater is rated A- by AM Best and manages over $171 million in premiums.

Filing a claim with Stillwater

Policyholders can file a claim by:

  • Calling the claims hotline: 800-220-1351
  • Email: claims@stillwater.com
Tip: In the event of a loss, customers should take photographs, do the minimal amount necessary to prevent further damage, and save any relevant receipts.

Where is Stillwater insurance available?

Stillwater insurance is available in all 50 states.

Final thoughts

Stillwater has top ratings from the BBB, which is quite rare among insurance carriers. They seem to be above average when it comes to customer service!

In summary, Stillwater is an excellent option for you if you fall into the preferred risk segment.


Need home insurance?
The Credible marketplace, which includes insurance services by Young Alfred, makes it easy to find a carrier and policy that’s right for you.

  • Fully online — Fill out all insurance forms online and buy homeowners coverage without ever picking up the phone. If you have any questions, Young Alfred offers 24/7 customer service.
  • Save time, money, and effort — Compare quotes from highly rated home insurance carriers in your area. It’s fast and easy.
  • Data privacy — Your information is kept safe and secure. We don’t sell your information to third parties, and you won’t get any spam phone calls from us.

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Disclaimer: All insurance-related services are offered through Young Alfred.

About the author
Credible Staff
Credible Staff

The goal of the Credible editorial writers and staff is to help our readers get up to speed on issues surrounding student loans, mortgage, and personal finance, so you can make informed decisions. We’re here to help you stay on top of the latest news, trends, concepts, and changes in policy and regulations.

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