Stillwater Insurance Group

105 Reviews

Stillwater Insurance Services was founded in 2000 and currently offers policies in all 50 states from its headquarters in Jacksonville, Florida. Here are a few key things to know about Stillwater Insurance Services:

1.9/5 average rating from users. Read reviews.
A+ rating from the Better Business Bureau (BBB).
Offers auto insurance, homeowners insurance and more.

Team Members

Paul Michael Southall

Mark O Davey

Daniel J Clark

Julio Covarrubias

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Stillwater Insurance Group Reviews

1.9

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WalletHub
January 12, 2022 • @WalletHub

editor's review

Stillwater Insurance Services

Stillwater Insurance Services is an average car insurance company given its middle-of-the-road premiums and less-than-ideal customer service. Stillwater’s NAIC rating is 2.8, which means it has more customer complaints than its average competitor, adjusted for size.

Stillwater Insurance is available in every state.

Stillwater Insurance Services Ratings

Reviews on WalletHub: 1.8/5
NAIC: 2.8
BBB: A+
AM Best: A-

Stillwater Insurance was accredited by the Better Business Bureau in 2015.

Stillwater Insurance Services Auto Insurance Review Highlights

Top Discounts – multi-car discount, multi-policy discount, and good driver discount.

Basic Coverage Options – Bodily injury liability, property damage liability, personal injury protection, medical payments, comprehensive, collision, and uninsured/underinsured motorist.

Extra Coverage Options – rental reimbursement and towing and roadside assistance.

Stillwater Insurance Services Home Insurance Review Highlights

Stillwater Insurance Services offers basic homeowners insurance policies, as well as coverage for renters, condo, and landlord.

A homeowners insurance policy from Stillwater Insurance Services protects your home and personal belongings from a variety of damage-causing risks. Stillwater Insurance Services homeowners policies provide additional coverage for any damage or destroyed structures if the damage was caused by fires or storms, coverage for other structures on the premises, personal property, medical payments, personal liability, and loss of use, along with additional optional coverage to personalize your policy to fit your needs. Their policies also cover medical bills and legal fees in case a guest gets hurt or their property is damaged at your home.

For condo owners, an insurance policy from Stillwater Insurance Services will cover personal property, dwelling, loss of use, medical payments, personal liability, and loss assessment. Lastly, Stillwater Insurance Services offers renters insurance, which covers losses caused by fire, theft, smoke, storm damage, water overflow and electrical surges, in addition to providing living expenses, personal liability, and medical coverage.

Overall, Stillwater Insurance Services has reliable property insurance options for a variety of situations.

Bottom Line: Is Stillwater Insurance Services a Good Company?

Stillwater Insurance Services is an average insurance company, given its average pricing and average number of customer complaints. Stillwater Insurance Services’ most notable insurance options include auto, homeowner, umbrella, and business policies.

Product: Stillwater Insurance Group Car Insurance

Comment

briwil1011
January 28, 2023 • @briwil1011

Mandy Whigham And Stillwater Insurance took care of Me And paid out 29 Grand for my Roof Replacement Claim within 7 days . We had a Bomb Cyclone RIP through Sacramento, CA it ripped off part of my Roof off. I was concerned I was Going to be " In the Wind" So to speak. Stillwater took care of Me 100 percent. No Complaints. I would Recommend this Company Highly.

Product: Stillwater Insurance Group Home Insurance

Comment

Stillwater Insurance Group
January 30, 2023 • @StillwaterInsuranceServices

Thank you for the positive feedback on Stillwater Insurance. We're happy to hear that you had such a positive experience, after such a stressful event. We appreciate your business and will be here if you need us in the future.

Comment

vis mund
January 24, 2023 • @mundvis

Cash was great! Always responsive and guided me with the steps through this intimidating process so greatly. He was on his prompt and replying to all my questions. Great company. I would recommend this to anyone and everyone.

Product: Stillwater Insurance Group Business

Comment

Stillwater Insurance Group
January 24, 2023 • @StillwaterInsuranceServices

Thank you for your positive review of Stillwater Insurance. We love hearing from happy customers and we'll be sure to share this feedback with Cash. We agree - he is awesome. Thanks again.

Comment

Home Owner
December 22, 2022 • @dooglas50

Canceled our insurance saying we had lifting roof tiles. The assessment report itself which they contracted out said the roof had no issues. They do what they want. I think they just don't want to stand by the good rate I found for the rest of the year. Terrible company.

Comment

Stillwater Insurance Group
December 28, 2022 • @StillwaterInsuranceServices

Unfortunately, we are unable to find your policy with the limited information in this review. Typically, when you complete an application for insurance you certify the condition of your home and agree to a home inspection as part of the new business review. When the home inspection report reveals any issues that cause the home to fall outside of Stillwater’s underwriting guidelines, we issue a cancellation notice well in advance of the cancel date; this cancellation notice usually provides the specific reasons for cancellation and corrective actions you can take to have the pending cancellation reconsidered. Roof issues usually require that you sign a contract with a licensed roofing contractor to repair the roof issues and provide Stillwater with a copy of that contract if you want to continue the insurance. Please consider contacting our customer service department so we can help clarify the cancellation notice you received.

Comment

Zohar Gillai
December 1, 2022 • @zgillai

I had water damage while I was getting my house to be rent ready. Stillwater was efficient, courteous, and had great communication with me and my property maintenance manager through out the entire process. I am very pleased with the outcome.

Product: Stillwater Insurance Group Home

Comment

Stillwater Insurance Group
December 1, 2022 • @StillwaterInsuranceServices

Thank you for sharing your feedback. We love hearing from happy customers and appreciate your business. We're here if you need us.

Comment

lynn_2427
November 10, 2022 • @lynn_2427

Terrible terrible terrible company. They do everything to keep from paying a claim. Do not use this company for insurance. I have replacement value and collectibles on my policy. They gave me $200 for a $2500 collectible rug. I'm fighting them and they don't respond other than telling me they deducted the age from the rug. It's a handmade wool rug made by an artisan. $200 replacement value. They are a scam.

Product: Stillwater Insurance Group Renters Insurance

Comment

Stillwater Insurance Group
November 10, 2022 • @StillwaterInsuranceServices

Dear Lynn, We understand you have spoken to the Claims Supervisor today and the policy provisions were reviewed with you. We have agreed, based on the age and condition of the rug, to apply 50% depreciation and to an Actual Cash Value of $1250 less the previous amount paid out. We are issuing a supplemental payment for the difference. We hope this resolves your concerns. Please contact us directly if you need further assistance.

Comment

phpierce
October 19, 2022 • @phpierce

Worst insurance company ever! Canceled my insurance policy with 30 days notice. When I did everything they asked for (including no vines on house), they took 10 days to respond to a question and then 14 days to review my photos and then added on a new requirement, requiring 2 trees (over 100 years old) to be cut down. Leaves me almost no time to find a new carrier.

Product: Stillwater Insurance Group Home Insurance

Comment

Stillwater Insurance Group
October 25, 2022 • @StillwaterInsuranceServices

Dear Mr. Pierce, Your policy began in August. After an inspection of the property within the new business underwriting period, Stillwater notified you with 37 days notice from the date of mailing of the pending cancellation of your policy. The cancellation was based on the fact that your property does not meet the eligibility requirements of Stillwater’s underwriting guidelines. The specific reasons cited in the letter include vine growth on the home, tree limbs touching and overhanging the roof and home and unsecured miscellaneous items on the property. In addition, the cancellation notice noted that there are trees in close proximity to the home which make the risk unacceptable. Though you did supply photos of the vines and miscellaneous items removed, the proximity of the trees still make your property ineligible for coverage. Due to ineligibility, Stillwater was unable to reinstate your policy as requested on 10/19.

Comment

zcccsmith419
October 1, 2022 • @zcccsmith419

I no I had a claim in 2021 and my insurance jumped from 1600 a year to 4800 a year this is out rages looking for née home insurance with no luck so far

Product: Stillwater Insurance Group Home Insurance

Comment

Stillwater Insurance Group
October 3, 2022 • @StillwaterInsuranceServices

Thank you for your feedback. We do not have enough information in this review to locate your policy number or email to contact you directly. If you would like to understand the factors that caused your rate to increase, please call our customer service team at (855) 712-4092. We are open M-F from 8am-9pm EST and Saturday from 8am-3pm EST.

Comment

Bill Brewster
October 1, 2022 • @adamzdad1

Stillwater is a joke and they basically cost us thousands of dollars and gave us a high risk rating. Why? Because back in February we had a sewage leak into our home. So we made a claim. They did cover the claim but when it was time to renew our policy they canceled us!! They made up some BS for the reasons why but the reality is because we made a claim. So due to them doing that I became a "risk" and had a very hard time getting new insurance. Which I did with over three times the amount we were paying. A price we will have to pay for three years!! I am being penalized for getting something I was paying for!! I will do anything I can to stop people from buying this sham!! Why have insurance if you get penalized for using it? I give them no stars!

Product: Stillwater Insurance Group Home Insurance

Comment

Stillwater Insurance Group
October 3, 2022 • @StillwaterInsuranceServices

Dear Mr. Brewster, we have reviewed your file to better address your comments. As you have indicated, Stillwater fulfilled our obligation to you as a policy holder by paying your claim. When any insurance carrier is considering renewing a policy, the condition of the property is always a factor to determine if the property is a risk that the carrier can accept for another term. This is true of all types of insurance. In your case, the inspection of your property prior to Stillwater extending a renewal offer revealed several areas that were in poor condition including the roof, missing siding, wood rot and missing and peeling paint. These findings put your property at risk for further damage and claims in the future. This is the reason you were not offered a renewal of your policy. The condition of the property directly affects insurability, and this is not unique to Stillwater. We hope this helps clarify that it was not the claim you filed but the condition of the property that impacted your renewal.

Comment

Patrick Lacy
September 16, 2022 • @PMWVA

We were hit by a driver with Stillwater coverage in July. We got the estimate fairly quickly, but it was off by over half according to the shop. It took them over a week to approve the new estimate, which delayed the repairs. That delay wasn't calculated into the time for the car repair. We had to extend our rental almost weekly. Despite having issues because of shipping and the delay on their part, we were refused a rental after a certain time period, despite the car not being ready yet. The claims adjustor was rude and condescending. He rarely answered his phone and would take days to contact us back. When we asked for his supervisor he blatantly refused. The whole ordeal has been very difficult and I truly hope I never have to deal with this company again.

Comment

Stillwater Insurance Group
September 19, 2022 • @StillwaterInsuranceServices

Dear Mr. Lacy, Thank you for your feedback. We have reviewed the file to get a better understanding of your case. The delays to repair your vehicle were a result of the body shop you hired to repair your vehicle; they ordered the parts needed late in the process and then received the incorrect part. This repair should have taken 2-3 weeks. Stillwater responded to your need for a rental vehicle within 2 days of the request and subsequently extended the rental car several times while your vehicle waited at the body shop for repair even though your vehicle was drivable during this time. All told, Stillwater paid 37 days of car rental which is beyond as “reasonable rental” based on the repairs needed. We are reviewing the feedback provided concerning the examiner. Our records indicate that you spoke to the supervisor several times throughout your claim. We are sorry you were not satisfied with the service your received.

Comment

Patrick Lacy
September 20, 2022 • @PMWVA

@StillwaterInsuranceServices Actually, I spoke with the supervisor once, not several times. The shop received your estimate, which was well below the actual cost of the damages done. Given that, it would be reasonable to say that your estimated time for repair is also skewed. The shop was not allowed to begin work on the vehicle while it was waiting for your approval of their estimate, which took one week. The part delay was of no fault of the shop's. The supplier sent the wrong part. That delay was five days. Again, of no fault of theirs. So right there, we have two weeks of delays that aren't accounted for in regards to the "reasonable rental". Either way, my experience with the customer service side of your company was less than stellar. You obviously listened to the conversations I had with Robert, and his language and tone of voice to me was not befitting of a company that prides itself in customer service. I appreciate your time and hope that this issue can be resolved...

Comment

Review Stillwater Insurance Group

Stillwater Insurance Group Offers

Business Insurance

Car Insurance

Commercial Property

Flood Insurance

Home Insurance

Renters Insurance

Umbrella Insurance

Stillwater Insurance Group Q&A(10 questions)

Do you have to write a check on the spot if approved or can we wait to pay once the homeowners insurance policy gets issued?

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What is the insurance rating?

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Does homeowners policy cover loss of hearing aids?

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Stillwater Insurance Group

While a standard homeowner's policy provides coverage for personal property, for example hearing aids, losing personal property is not covered. Some carriers provide an option to expand coverage for your personal property that would cover an item if it is lost, but typically this coverage is an add-on to a standard homeowners policy. Additionally, some homeowner's policies provide special limits of insurance to certain classes of electronic devices, so you'll want to discuss with your agent if the coverage provided by your carrier includes a special limit of liability.

How do I cancel my account

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What is Stilleater's rating by NAIC?

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Stillwater Insurance Group Contact

What type of help do you need?

[email protected]

Visit Website

888-333-2120
Fax: 866-877-6355

Mailing Address

PO Box 45126

Jacksonville, FL 32232

Local Stillwater Insurance Group agents:

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