Stillwater Insurance Group

88 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:

1.8/5 average rating from users. Read reviews.
A+ rating from the Better Business Bureau (BBB).
Offers auto insurance, homeowners insurance and more.

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Paul Michael Southall

Mark O Davey

Daniel J Clark

Julio Covarrubias

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Stillwater Insurance Group Reviews

1.8

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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: 1.9/5
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

Stephanie Martinez
April 29, 2022 • @Stephanienavy

When I sold my home and bought another I called to see about a quote for the new house. After waiting a couple 3 days I called back to this Orange county agent that I was hooked up with by Stillwater again. Nothing. I moved on and got what I needed from someone else. I called this agent again and stated I was canceling. Next thing I know money is pulled from my account for a premium. No cancelation notice was sent to Stillwater. I call Stillwater and have to email them to get it canceled. I guess the agent is too busy playing golf. I see no check for about two weeks and am told that it would be twenty to twenty-five days before I get my money back. It is the next month before I see my money that should never have been taken. When they stick their hand out it is give me now but they owe you well..... This group does not handle their own business from start to finish. With all the work and effort you put out to do business with them, you should get a paycheck.

Product: Stillwater Insurance Group Home Insurance

Comment

Stillwater Insurance Group
April 29, 2022 • @StillwaterInsuranceServices

Hi Stephanie. Thanks for the feedback. We're sorry this happened to you. We sell our product through Independent Agents who are not employees of the company. Your agent should not have proceeded with purchasing this policy on your behalf without your express permission. We have refunded your premium at your request. Thank you.

Comment

Rose Trimarchi
April 6, 2022 • @vegasbaby860

I literally had zero idea how home ins worked, especially as a 1st time home owner. I would highly suggest you hire 100 more Theresas!! So thorough, so kind, so patient. Answered all my questions quickly. Completely educated me on how it all works. She's phenomenal! Seriously, hire like 100 more of her.

Product: Stillwater Insurance Group Home

Comment

Stillwater Insurance Group
April 7, 2022 • @StillwaterInsuranceServices

Rose - thanks for your kind words. We concur - Theresa is awesome and we'll be sure to share this feedback with her. We appreciate your business. Thanks again.

Comment

kemeticmedia
March 2, 2022 • @kemeticmedia

It's been 3 weeks since I filed my claim and I'm getting no communication or notice, no phone calls back after leaving a couple of messages, and my roof is leaking every time it rains right now. Go with another insurance company, these guys don't care.

About a month ago a winter storm comes through with some severe winds, and I see I have leaks coming through as spots on the ceiling. I file a claim. The claim person is nice enough, gets me set up with an adjuster, says he'll be in touch that day. Adjuster doesn't reach out so I take initiative, get his number from the agent, call him to schedule an appointment. Nice person, comes in and looks around, but it's a week before that report is turned in. I tried calling and texting, no response.

Now another week goes by, no communication. Talk to the agent, she says everything should be in front of her soon. The days keep passing, and no notification about anything from anyone.

I call the agent today, 3 weeks and a day after I filed, no one answers, so I leave a message. No call back or response.

If you are having an urgent problem, like if your roof is literally leaking water and you have towels and buckets catching rain and snowmelt, they are not in a hurry to help. What's the point of having insurance, if they are not going to actually do the thing they are supposed to do? Massively disappointed and trying to stay dry.

Product: Stillwater Insurance Group Home Insurance

Comment

Stillwater Insurance Group
March 3, 2022 • @StillwaterInsuranceServices

Thanks for the feedback. We are trying to locate your claim to determine what happened but are unable to do so due to the limited information shared here. Can you please send an email with your claim number to [email protected] and in the subject line put Attention T. McGrath. Once we receive the email, we will reach out to you directly. Thank you.

Comment

Daniel Vandygriff
February 23, 2022 • @danoid

Honestly pretty garbage. They helped me great with my first claim and for that I am thankful and give them their one star. Buuuut everything after that was a nightmare. Apparently they dropped me months ago without ever notifying me. I only just found out when trying to file a second claim and they mentioned "oh hey we cancelled on you 6 months ago. Sorry. Nothing we can do" apparently the money wasn't coming out my escrow although I'm not sure how that's possible since it had been going fine for years. oooooook so I get new insurance and my premiums skyrocket! Just avoid these clowns.

Comment

Stillwater Insurance Group
March 2, 2022 • @StillwaterInsuranceServices

Thank you for your feedback. I have looked at your account to determine what occurred. On 8/27/21 we mailed a nonrenewal notice to you, the mortgage company listed on the policy, and your independent agent informing all that your policy was not going to renew on Sept 30, 2021. We mailed your notice to the Knoxville address on the policy. The notice was mailed out in advance of the cancellation to allow you time to secure a new policy. It is our expectation that your agent would assist you with purchasing a new policy once they were notified. We are surprised this did not happen and have shared this feedback with your agent.

Comment

Alex Hyndman
February 23, 2022 • @Alexhyndman93

It's a BS company I made arrangements to change which account they pulled the money to pay my bill from and now they're trying to terminate my insurance unless I can come up with over $1,000 up front it is completely a BS company regardless of their rates if you have to make any changes whatsoever they will find a way to screw you over and on top of that they charge a $2 service fee every month

Product: Stillwater Insurance Group Car Insurance

Comment

Stillwater Insurance Group
March 3, 2022 • @StillwaterInsuranceServices

Thank you for your feedback. The reason your payment plan was changed is because it is our policy to remove the EFT 12-month installment payment plan if a customer has 2 insufficient funds events – which you had in December 2021 and February 2022. In February you were placed on a 2-installment plan which means the second installment (half of your annual premium) is due to avoid cancellation of your policy. However, our customer service team informed me that you called to ask for reconsideration, and to be put back on our 12- month EFT payment plan. That request was granted with the understanding that we will be unable to keep you on our 12-month payment plan if your bank informs us of another NSF. Thank you for being a Stillwater customer.

Comment

pranaytewari
January 25, 2022 • @pranaytewari

I would rate the Stillwater insurance, a Geico plan less than 1 star if I can, they took about a month to respond after the insurance adjuster reviewed the water damage in my house with no clear outline of the impending process by the agent. We submitted a contractor quote of $13 K and Stillwater ultimately said they cant pay anything as the water damage has happened over a few weeks, I have a fully carpeted 1st floor and there is no way to say when the water damage started, we only bought this house a year back had a very thorough inspection done with no damage at all and there is no way their claim is right. I would definitely change my insurance plan immediately and recommend everyone to choose better plans out there. I wish I knew how mediocre this company was upfront, please don't waste your time with Stillwater or Geico home insurance.

Product: Stillwater Insurance Group Home Insurance

Comment

Stillwater Insurance Group
January 25, 2022 • @StillwaterInsuranceServices

Thank you for your feedback. I have reviewed your claim to determine what happened. This claim was reported on 1/3/22 with a loss date of 12/3/21 for water damage to two bathrooms. Our investigation determined that missing grout and loose tiles in the shower upstairs allowed for ongoing and repeated water seepage, causing damage to the door trim, base trim, carpet, subfloor and to the ceiling in the bathroom below. There is visible, long term water damage to these areas. The reason your claim was denied is because your policy covers damage from a single, sudden incident. It does not provide coverage for damage caused by constant or repeated seepage or leakage.

Comment

Jonathan Imboden
January 20, 2022 • @jonathanimboden

I guess this just kind of echoes everything I’ve seen here, but this company is about as slow as can be. My fiancée was the victim of a hit and run on 12/28/21 at about 2:30pm with the call to Stillwater being sent in around 3pm. It started off quick enough, they had the rental set up and in took photos of the damage the next day. But after that? It took NINE DAYS of phone tag and eventual upgrading to a supervisor for them to basically say “yeah, that’s a total loss”. It then took them another FOUR DAYS to send it to title procurement after coming to get the vehicle. It is now 9 days after THAT on 1/20/22 and they still haven’t settled things and sent us our check so that we can finally get a new car. Don’t use this place.

Product: Stillwater Insurance Group Car Insurance

Comment

Stillwater Insurance Group
January 20, 2022 • @StillwaterInsuranceServices

Thank you for your feedback. Please send an email to [email protected] with your claim number. He will review your claim to help expedite the process. Please note that if you are not listed as a named insured on the vehicle, the email needs to come from your financee. Thanks.

Comment

tinawesl
January 14, 2022 • @tinawesl

Our car was involved in an accident and we filed a claim over a week ago and they're still doing absolutely nothing. They haven't helped us get it towed out of our driveway to a place to look at it, they say they're sending an adjuster who will contact us in "24 business HOURS" whatever that means, and still, no word from them and they keep telling us to call our insurance back. They have done nothing to help us get a rental, or remedy the situation at all. Why have insurance? It doesn't make sense how they can get away with such bad customer service. We will call them until we get SOMETHING done about this situation, which is what we've been paying them for years to do, and then going to find a new insurance company pronto. Unbelievable.

Product: Stillwater Insurance Group Car Insurance

Comment

Stillwater Insurance Group
January 14, 2022 • @StillwaterInsuranceServices

Thanks for the feedback. We are trying to locate your claim to determine what happened but are unable to do so due to the limited information shared here. Please send an email with your claim number to [email protected] Once he receives the email, he will reach out to you directly. Thank you.

Comment

Michael Smith
December 20, 2021 • @smithc13

This company is terrible. They take weeks to respond to claims and they lowball the client. They never answer calls nor do they return calls. It's not until you file a complaint with the department or Insurance or work with an attorney that they start responding. My simple water damage claim took 5 months to settle and it was approx. 50% of what it should have been. This company is borderline criminal.

Product: Stillwater Insurance Group Home Insurance

Comment

Stillwater Insurance Group
January 12, 2022 • @StillwaterInsuranceServices

Thank you for your feedback. I have shared your comments with our claims team and they have left a message on your voicemail and sent you an email to discuss your claim in detail. Thanks.

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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