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INSURANCE CARRIER

Stillwater Insurance Review

Coverage When Other Carriers Say No

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RATINGS & OVERVIEW

How This Carrier Rates

AM Best

A Exceptional

JD Power Personal

Smaller regional carrier, not included in the 2025 primary customer satisfaction studies.

JD Power Commercial

NAIC Complaint Index

Tracks slightly above the industry average, partly reflecting the complexity of non-standard risks.

Stillwater Insurance Group is rated A Exceptional and writes homeowners, renters, condo, landlord, and commercial coverage through independent agents. They have broad underwriting appetite in Georgia for homes and risks that some standard carriers decline, including older construction and prior claim histories.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

Accepts risks that standard carriers decline, including older roofs, prior claims, and properties in high-risk areas.

Strength 2

Writes flood insurance directly, making it a one-stop option for properties that need both homeowners and flood coverage.

Strength 3

Strong manufactured home and landlord coverage options not available at all standard carriers.

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

NAIC complaint index slightly above national average, reflecting the more complex risk profiles they insure.

Weakness 2

Premiums are higher than standard market because Stillwater accepts elevated risk. Not the right choice if you qualify for standard coverage.

Weakness 3

Complaint index runs above the national average for admitted carriers; clients in non-standard segments should expect more documentation requests and potentially slower claim processing than preferred market carriers.

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

Standard preferred homeowners who qualify for Travelers, Nationwide, or Openly. Stillwater's rates are higher than the preferred market because they accept higher-risk profiles.

APPETITE & COVERAGE

What They Write

Coverage Types

Homeowners, Renters, Flood, Manufactured Home, Landlord (DP-3)

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.

Admitted Status

Admitted in Georgia. Licensed and regulated by the Georgia Department of Insurance. Policies are backed by state guaranty fund protections up to applicable limits.

CLAIMS & PRICING

What to Expect

Claims Experience

Stillwater's NAIC complaint index of 1.12 is slightly above the national average of 1.0. This is expected for 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.

Pricing Context

Stillwater prices to reflect the risk they accept. Their rates will be higher than what a clean-record client would pay at Travelers, Nationwide, or Safeco for the same home. The comparison is not between Stillwater and standard carriers. The relevant comparison is between Stillwater and the FAIR Plan or surplus lines options, where Stillwater often provides superior coverage at a comparable or better price point for non-standard risks.

vs Competitors

Against the FAIR Plan or surplus lines markets: Stillwater is admitted in Georgia, which provides guarantee fund protection and a simpler placement process. Against Lloyd's surplus lines carriers: Stillwater's admitted status is the key advantage. Against Travelers or Nationwide for a declined risk: Stillwater accepts what they decline. The competitive set for Stillwater is not standard carriers but rather last-resort alternatives, and in that set Stillwater is often a stronger option.

File a Claim

Call to report a claim:

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STATE AVAILABILITY

Where They Write

States Available

Available in most states including Georgia

Personal Lines States

Available in most states including Georgia

Commercial Lines States

Do We Work With Them?

Yes, available in Georgia

Stillwater is our go-to for non-standard Georgia risks. Older roofs, prior claims, properties that standard carriers decline. Pricing reflects the elevated risk they accept.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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