What does Stillwater offer Georgia homeowners?

Stillwater is a carrier with a broader appetite than the most competitive preferred carriers, meaning it is built to consider homes and situations that pickier insurers decline or price high. It is often described as a market for risks that fall outside the narrow box the cheapest carriers want.

Several common situations point toward a broader-appetite carrier: an older home, a prior claim or two, a gap in continuous coverage, a less common roof type or age, or a secondary or seasonal property. Stillwater also writes a range of products, which can help a homeowner who wants to keep several coverages with one carrier.

That plays out in real underwriting. A 1968 Georgia home with a 15-year-old roof and one wind claim three years ago might be declined outright by a standard preferred carrier, while a broader-appetite carrier could still offer a solid policy with a sensible deductible/" class="oc-glossary-link">wind and hail deductible. To understand how that deductible works, see our guide on Georgia wind and hail deductibles.

A broader-appetite carrier is less likely to be the cheapest option for a brand-new home with no claims, where preferred carriers compete hard. A free coverage review compares the market on your real details so you can see which carrier fits your situation. Get a free coverage review and we will tell you which homeowners markets fit your home.