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Stillwater Home Insurance Review (2022)

Stillwater Insurance Group offers home insurance in 48 states and offers a variety of discounts that allow homeowners to save on their plans.

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Owning a home is a serious commitment. Making the purchase is just the first step, as it’s essential that you keep it protected with a home insurance policy. These policies provide the comfort of knowing that if your home is damaged or destroyed in the event of a covered disaster, its exterior and interior structure, its contents, and your wallet are safe.

Unfortunately, not all companies are equal. The This Old House Reviews Team did some work for you, creating this in-depth Stillwater home insurance review, evaluating coverage, cost, availability, and more so you can determine if this is the best home insurance provider for you and your home.

In This Review: Our Take | Pros & Cons | Coverage | Availability | Cost | Discounts | Customer Reviews | Comparison | FAQs | Company Information

Our Take on Stillwater Home Insurance

Stillwater Insurance Group has over 20 years of industry experience and is a growing national provider. The company offers a variety of discounts that allow homeowners to save on their plans, and it holds an A+ rating with the Better Business Bureau (BBB).

On Stillwater’s BBB profile, common complaints reference rejected claims and difficulty canceling policies. Some negative reviews note customers receiving very low amounts for their claims, while positive reviews express satisfaction with customer service.

Pros & Cons

Compare the advantages and disadvantages of Stillwater home insurance.

Stillwater Home Insurance Pros & Cons

Pros Cons
Pros Cons
Available in 48 states Some complaints on third-party review sites mention low payouts on claims
Many discounts available Less than 30 years in business
A+ rating on the Better Business Bureau


Stillwater offers all industry-standard coverages on its policies.

Stillwater Home Insurance Coverage

Type Description
Type Description
Dwelling Covers cost to repair or rebuild your home if it’s damaged or destroyed
Other structures Covers cost to repair or rebuild unattached structures like garages or sheds
Personal property Pays for damage or theft of personal possessions including furniture, appliances, clothing, and electronics
Medical payments to others Pays for medical expenses for bodily injuries to guests while on your property, regardless of fault
Personal liability Pays for expenses associated with bodily injury or property damage to others due to negligence on your part both on and off your property
Loss of use Pays for bills or expenses associated with having to live outside of your home temporarily due to covered damage or loss

Extended replacement cost, which fully covers the amount to rebuild or repair your home in the event of covered damage or loss—including compensating for rising building rates—is an optional endorsement. Similarly, personal property replacement cost, which covers the full replacement cost of personal property, not counting depreciated value, is also optional.

Other endorsements include:

  • Animal liability
  • Identity theft expense recoupment
  • Personal injury
  • Scheduled personal property
  • Special personal property
  • Water back-up


Stillwater homeowners insurance is available in all states except for Michigan and Georgia.

How Much Does Stillwater Insurance Cost?

The exact cost of Stillwater homeowners insurance will depend on a variety of factors, including your property value, size, and the materials it was constructed with. It will also depend on your property’s location, the coverage limits you select, the insurance deductible you choose, and more.


Stillwater offers many different discount options.

  • Accredited Builder
  • Age of Insured
  • Automatic Sprinkler
  • Claim-Free
  • Gated Community
  • Home Alarm Protection
  • Marital Status
  • Multi-Policy
  • Newly Acquired Home
  • Roof-Type
  • Utility Upgrade

Customer Reviews of Stillwater Insurance

Stillwater is accredited by the Better Business Bureau and holds an A+ rating from the organization. According to its profile, it has a 4-star rating from customers, which is much higher than most of the home insurance companies we have reviewed.

Here’s what some people had to say about their experience with Stillwater Insurance.

Coleman A. said:

“My wife and I had some water damage that was in immediate need of reparation, after owning our home for less than a year. We were new to the process, but our agent at Stillwater was extremely helpful and walked us through all of our coverage details. She was able to provide quick assistance every step of the way with a home issue that was critical to resolve. We’re incredibly grateful for the secure and quality insurance, along with the great service. Thank you!”

Gary said:

“I would be very wary of this company. I will be getting away from them very soon. Submitted a simple water damage claim, adjuster came out, and 21 business days later — nothing. Can’t even get a call back to find status. I would just appreciate communication to advise where we are in the process - can’t get that. Good thing my roof wasn’t blown off!”


See how Stillwater stacks up against some of its top competitors on key metrics.

Stillwater Home Insurance vs. Competitors

Provider Stillwater Lemonade Amica®
Provider Stillwater Lemonade Amica®
Our score 87.37 83.50 96.60
State Availability 48 27* 48 (not available in AK and HI)
BBB Rating A+ B+ A+
Years in Business 20 5 113
24/7 Claims Service
Protective Devices/Safety Features Discount
Bundling Discount
Mobile App

*Lemonade home insurance is available in AZ, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI

Is Stillwater Home Insurance Best for You?

Stillwater is worth considering for homeowners seeking a provider offering several discounts that help them lower their home insurance premiums. The company also has a positive reputation, holding an A+ rating with the BBB. We give Stillwater home insurance a score of 87.37 out of 100.

In order to find the best home insurance company for you and your home, we recommend getting quotes from multiple providers in your area:

Company Information

  • Company name: Stillwater Insurance Group
  • Company type: Public
  • CEO: Mark Davey
  • Year founded: 2000
  • Headquarters: 6800 Southpoint Pkwy, Ste. 700, Jacksonville, FL 32216
  • State availability: 48
  • BBB rating: A+

Stillwater Home Insurance FAQs

Is Stillwater a good insurance company?

Yes, Stillwater is overall a good insurance company with an A+ rating from the BBB.

Does Stillwater offer home insurance discounts?

Yes, Stillwater offers a wide range of home insurance discounts, ranging from marital status and protective devices to newly acquired home and roof type.

Is Stillwater home insurance offered everywhere?

No, Stillwater home insurance is not available in Michigan or Georgia.

Does Stillwater also offer auto insurance?

Yes, in addition to home insurance, Stillwater offers auto, renters, condo, business, landlord, umbrella and earthquake insurance.

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews Team at