Stillwater Insurance Reviews In 2022: What You Want To Know

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Though some may believe this process to be drawn out, the assigned adjuster keeps you informed at every step. Be both amiable and formally dressed. While others advise against ever using Stillwater because they don’t trust them.

Fidelity National Financial (FNF), which formerly included Stillwater Insurance, decided to exit the insurance business in 2012 as a result of the significant losses caused by hurricanes Katrina, Rita, and Wilma. Despite changing its name to Stillwater Insurance Group, the business still provides auto and home insurance to clients in all 50 states.

Read on as I give you more detailed information about Stillwater insurance reviews.

Customer Reviews Of Stillwater Insurance

Stillwater Insurance Group

This is based on the initial homeowner’s insurance claim. As to be expected, the process can take a while, but the adjuster to whom I was assigned maintained contact with me. both competent and welcoming.

Not Reliable – No Communication, Don’t Care

My roof is currently leaking every time it rains, and it has been three weeks since I filed my claim. I have received no notice or communication regarding this, and I have not received a callback from any outgoing calls. Choose a different insurance provider; these people don’t seem to care. A winter storm with strong winds passed through about a month ago, and I noticed spots on the ceiling that were caused by leaks. I make a claim, and the claim representative is friendly enough to set me up with an adjuster and promise to contact me that day. The adjuster doesn’t initiate contact, so I call the adjuster on my own after getting his phone number from the agent to set up an appointment. Nice person comes in and takes a look around, but it will be a week before that report is submitted. No response when I called or texted. Another week passes with no further communication. Speak with the agent; according to her, everything should be ready for her soon. No one has notified me of anything as the days go by. Today, three weeks and one day after I filed, I call the agent; no one picks up, so I leave a message. neither a callback nor a response were received. They are not in a rush to assist you if you have an urgent issue, such as when your roof is literally dripping with water and you have towels and buckets collecting snowmelt and rain. If insurance companies aren’t going to carry out their obligations, what good is it to have it? Devastated and attempting to maintain composure.

Stillwater Insurance Sucks

If I could, I’d give the Stillwater insurance, a Geico policy, less than one star because it took them a month to respond after the insurance adjuster examined the water damage in my home and the agent didn’t provide a clear explanation of what would happen next. Since the water damage occurred over a few weeks and my first floor is completely carpeted, it is impossible to determine when it first occurred. We only recently purchased this home, and a thorough inspection revealed no signs of water damage, so there is no way Stillwater’s claim is accurate. It is without a doubt that I would switch insurance plans right away, and I would advise everyone to select better options. Please save your time and avoid Stillwater or Geico home insurance; I wish I had known how subpar this company was up front.

Do Not Use Them!

Before my claim for a fire in my shop in May 2021 was turned down, I had a policy on my house for 4 years. Given that I had received over $2000 in lumber reimbursement from family and friends, Stillwater and their attorney—who was a very rude man in and of himself—decided that my hobbyist woodworking was a business. Even though you have been paying your premiums in good faith for years prior, this company only cares about taking your money and not helping you when you need it.

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Stillwater Car Insurance Review

When compared to other car insurance providers, Stillwater’s selection of coverage options is primarily conventional. With bodily injury and property damage liability coverage, as well as personal injury protection in some states, drivers can meet the minimum requirements for auto insurance set forth by their state. Additional services provided by Stillwater include towing, medical payments, rental reimbursement, and collision and comprehensive coverage.

AM Best gave Stillwater an A- rating for financial strength, indicating a very strong capacity to meet ongoing financial obligations. When it came to customer satisfaction and the claims process, it did not place in JD Power’s Auto Insurance Study for 2021. Furthermore, both Stillwater Insurance Company and Stillwater Property and Casualty Insurance Company received higher than average scores from the National Association of Insurance Commissioners (NAIC), indicating that Stillwater receives two to three times as many complaints as the national average.

Cost: Stillwater Car Insurance

Although average Stillwater auto insurance premiums are not available, having access to comparable data can help with comparisons. For full coverage, the average annual cost of auto insurance is $1,771; for minimum coverage, it is $545. Keep in mind that as you compare car insurance quotes, your actual rates could be different from the average due to unique rating factors like your driving record, annual mileage, vehicle type, and more.

Discounts: Stillwater Car Insurance

The top auto insurance providers provide a variety of discounts to help customers save money. The auto insurance policy discounts from Stillwater are more commonplace when compared to those offered by other carriers. The discount opportunities include:

• Multi-car discount: You might pay less for each vehicle’s premium if you have more than one car insured under your policy.
• Multi-policy: This discount may be applied to your policies if you have more than one policy with Stillwater.
• Paperless: A further discount on your auto insurance may be available if you sign up for paperless statements.

Stillwater Home Insurance Review

Stillwater home insurance, in contrast to its auto insurance, also provides a few add-on options for customizing policy features. After choosing the policy limits for the basic types of coverage, such as dwelling, personal property, and liability, homeowners can also decide whether to include coverage for identity theft, animal liability, and water backup in their homeowner’s policy. A policy can be amended to cover personal property with replacement cost coverage or extended replacement cost for dwelling coverage.

Cost: Stillwater Home Insurance

The national average cost of homeowners insurance is $1,383 per year for $250,000 in dwelling coverage, even though the average Stillwater home insurance rates aren’t available. This number might be helpful for comparison when asking Stillwater for a price quote. You might be able to reduce your options and find the best home insurance by looking at the average cost of homeowners insurance.

Discounts: Stillwater Home Insurance

Although the discounts available to homeowners will probably depend on the characteristics of their home, there may be numerous opportunities for homeowners to save money on their Stillwater insurance policy. The following are some Stillwater homeowners insurance policy discounts:

• Discount for endorsed builders: You might be eligible for this discount on your home insurance if certain accredited builders built your home.
• Discount for gated communities You might be eligible for additional policy discounts if your house is inside a gated community.
• Roof type discount: If your roof was built using specific types of approved materials, this discount might be applied to your policy.

Other Stillwater Perks Worth Considering

Even though Stillwater’s auto and homeowners insurance might be its most well-liked choice, the company also provides a few other insurance products. These include:

• Insurance for condominiums: A condominium insurance policy covers both structures and your personal property inside your unit.
• Renters insurance: Protecting your personal property as a renter might be important. Additionally, personal liability and loss of use are covered by a renters policy.
• Umbrella insurance: Consider an umbrella insurance policy if you want additional liability protection for both your home and auto insurance policies.

Stillwater Social Responsibility

It is unclear from Stillwater’s website whether the business makes ongoing efforts to uphold social responsibility. The 2017 BBB Torch Awards for Ethics were given to Stillwater, though, in recognition of its dedication to business ethics that benefit its clients, staff, suppliers, and the larger community.

Consider These Stillwater Alternatives

You might have a better idea of how Stillwater Insurance might meet your needs after reading this review. It is customary to comparison shop to see what rates and coverage options each company may be able to provide you. Consider these options if you’re looking for Stillwater substitutes:

• State Farm: State Farm is a choice worth taking into account for those who want individualized service due to its reputation for having strong customer service ratings and a wide network of local agents.
• Tower Hill: Tower Hill, which has its headquarters in Florida, is acquainted with the requirements for home insurance among Floridians.
• Geico: Geico offers some of the most affordable national average car insurance rates, making it an option to consider for budget-conscious drivers.

Conclusion

Reviews of Stillwater insurance were the main topic of the article.

Three organizations comprise the Stillwater Insurance Group: Stillwater Insurance Company, Stillwater Insurance Services, Inc., and Stillwater Property and Casualty Insurance Company. Together, the businesses sell a range of insurance products, including auto and home insurance, in each of the 50 states while providing individualized coverage.

I want to thank you once more for reading.