INSURANCE CARRIER
Stillwater Insurance Review
Stillwater Insurance Group writes homeowners, renters, condo, landlord, manufactured home, and flood coverage through independent agents.
Personal Lines
- File a claim 800-220-1351 · 24/7 phone
- Online Account & claims portal
- After hoursStillwater claims: 1-800-220-1351 anytime.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Stillwater Insurance Group writes homeowners, renters, condo, landlord, manufactured home, and flood coverage through independent agents. Where many standard carriers decline properties with older roofs, prior claims, or locations in high-risk areas, Stillwater maintains underwriting appetite for those risks, making them a practical option for homeowners who have been non-renewed or turned away elsewhere. Stillwater also writes flood insurance directly, so a single carrier can cover both the dwelling and flood exposure on properties that need both. That matters in flood zones where coordinating two separate policies, and two separate claims processes, adds complexity.
Strengths
What This Carrier Does Well
Accepts risks that standard carriers decline, including older roofs, prior claims, and properties in high-risk areas.
Writes flood insurance directly, making it a one-stop option for properties that need both homeowners and flood coverage.
Writes manufactured home and landlord coverage, lines the standard market often declines.
Limitations to Know
Where They Fall Short
Insures more complex risk profiles, so claims can involve more documentation than preferred-market carriers.
Premiums are higher than standard market because Stillwater accepts elevated risk. Stillwater writes risks the standard market declines; clients who qualify for standard coverage typically have lower-priced options. A coverage review confirms the fit: https://olivecover.com/coverage-review/
Clients in non-standard segments should expect more documentation requests and potentially slower claim processing than preferred market carriers.
Right Fit
Who They Are Best For
Best Fit For
Homeowners who have been declined or non-renewed by other carriers, properties with older roofs or other underwriting challenges, clients in areas with limited carrier appetite.
Not a Good Fit For
Stillwater's rates are higher than the preferred market because they accept higher-risk profiles.
Appetite & Coverage
What They Write
- Line of Business
- Personal Lines
- Coverage Types
- Homeowners, Renters, Flood, Manufactured Home, Landlord (landlord dwelling policy)
- Carrier's Licensed States
- Available in most states
- Personal Lines States
- Available in most states
Pricing & Claims
What to Expect
Best Pricing For
Stillwater is competitive for non-standard and hard-to-place homeowners: older homes, metal roofs, farm properties, and risks that preferred carriers decline. They fill a gap the standard admitted market will not.
Pricing Context
Stillwater prices to reflect the risk it accepts. The relevant comparison is not with standard carriers but with the FAIR Plan or surplus lines options, where Stillwater writes admitted coverage for non-standard risks that those markets handle differently.
Claims Experience
Stillwater is a non-standard carrier whose book includes higher-complexity risks that other carriers declined. Clients should understand that non-standard homeowners claims can be more involved than standard ones, with more documentation required to establish loss amounts on older or non-standard properties. Stillwater's flood claims process benefits from their direct flood writing, which avoids the NFIP servicing delays that some other carriers experience. Admitted Status: Admitted carrier. Licensed and regulated by the state insurance department in each state where it writes. Policies are backed by applicable state guaranty fund protections up to applicable limits. Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under
Admitted Status: Admitted carrier. Licensed and regulated by the state insurance department in each state where it writes. Policies are backed by applicable state guaranty fund protections up to applicable limits.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts
At a Glance
Common Questions
Frequently asked questions
Why is Stillwater more expensive than standard carriers?
Higher than admitted market pricing for the same property, because Stillwater accepts risk those carriers decline.
Who is Stillwater Insurance best suited for?
Stillwater fills the gap when standard admitted carriers decline a risk.