Stillwater Home Insurance Review

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.

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 and Cons

Compare the advantages and disadvantages of Stillwater home insurance.

Stillwater Home Insurance 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

Coverage

Stillwater offers all industry-standard coverages on its policies.

Stillwater Home Insurance Coverage

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

Availability

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.

Discounts

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!”

Cherie M. said:

“I had a great experience with Stillwater. I had never used homeowner’s insurance and had heard nightmare stories from people with other insurance companies. It definitely wasn’t like that with Stillwater. My adjuster was helpful, communicative, compassionate, and just plain awesome. I am SO happy with this company, and I honestly never thought I could say that about an insurance company. I highly recommend them if you are looking for homeowner’s insurance.”

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!”

Maryan S. said:

“This is the worst insurance company I have ever had. They avoid paying to fix an issue. They just want things patched. I’ve ended up just paying out of pocket. They over insure you, don’t pay out, and then report claims in such a way that you are stuck with them for four more years. Four years can’t come soon enough. I’ve dealt with insurance companies for over 40 years. This is by far the worst.”

Comparison

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

Stillwater Home Insurance vs. Competitors

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:

Stillwater Home Insurance FAQs

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
State availability (7.5): Companies scored higher if they covered more states than their competitors.
Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau ratings.
Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

The This Old House 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.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.