Stillwater Insurance Review

Is Stillwater Insurance a good insurance company?

Trusted Choice's Stillwater Insurance Score

5 Stars

5 Stars

After considering many different customer reviews along with official Stillwater Insurance Company reviews and ratings from AM Best and the BBB, we've awarded Stillwater Insurance Group a rating of 5 out of 5 stars. Our Stillwater Insurance review also considers the carrier's available coverages, customer service offerings, nationwide reach, and other factors.

Founded in 2000 under the name “Fidelity National Property and Casualty Insurance Group," Stillwater has a mission to deliver intelligent, fast, and vital services that make life easier for its customers. Today, Stillwater continues to focus its efforts on personal and business insurance solutions for consumers in need across all 50 states.

Stillwater Insurance Company at a Glance

  • Founded in 2000
  • Arose from one of the US’s leading financial services firms, Fidelity National Financial (FNF)
  • Coverage available in all 50 states
  • “A-” (excellent) rating by AM Best
  • “A+” (excellent) rating by the Better Business Bureau (BBB)
  • 24/7 phone, mobile app, and email claims reporting
  • Strong financial stability

Stillwater Insurance Pros & Cons


  • Well-established carrier with more than 20 years worth of experience in the insurance industry
  • Highly rated by AM Best and the BBB and BBB accredited
  • 24/7 claims reporting via phone, mobile app, and email
  • Strong financial stability
  • Coverage available in all 50 states


  • Not much information about the claims process is provided on the official website

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

Stillwater Insurance Customer Reviews

These Stillwater Insurance reviews are current and taken from various different sources to reflect many customers' experiences with the insurance company.

The Better Business Bureau
5 Stars

“I recently had a roof leak it was my first claim in over forty years of being insured. I was assigned ****** who guided me through the process. Although there were some bumps in the road ****** informed me not to give up and if I felt I was entitled to more than the adjuster ***** was offering. Get estimates and forward them to her. I did and she even sent one of their contractors who came to my home and assessed and reappraisal of the damage and work to be done Thanks to ****** and Stillwater I was awarded a fair amount to repair my home. Upon completion of work they will release the balance of my claim approx ***** $"

Review date: 4/4/22

The Better Business Bureau
5 Stars

"******* and **** (the adjuster) were both professional and made the process easy and seamless. Both deserve award of excellence. My claim was processed immediately."

Review date: 9/14/21

The Better Business Bureau
5 Stars

"First claim ever. Thankful we have an Insurance *** that delivered when we needed them most. We had a water back up and from clean up to restoration they were with us all the way."

Review date: 9/8/21

The Better Business Bureau
5 Stars

“I had a great experience with Stillwater. I had never used homeowners insurance and had heard nightmare stories from people with other insurance companies. It definitely wasn't like that with Stillwater. My adjuster was helpful, communicative, compassionate, and just plain awesome. I am SO happy with this company, and I honestly never thought I could say that about an insurance company. I highly recommend them if you are looking for homeowners insurance."

Review date: 9/8/21

The Better Business Bureau
5 Stars

“Very helpful and quick! Great customer service and easy claims adjudication!"

Review date: 9/7/21

What Type of Insurance Does Stillwater Offer?

Stillwater is a general insurance company and focuses on coverage for personal and business insurance. Their products include the following:

Stillwater Home Insurance

  • Dwelling
  • Other structures
  • Personal property
  • Loss of use
  • Animal liability
  • Identity theft expense recoupment
  • Personal injury
  • Scheduled personal property
  • Special personal property
  • Water backup

Stillwater Renters Insurance

  • Losses
  • Living expenses
  • Personal liability
  • Medical coverage

Stillwater Condo Insurance

  • Personal property
  • Dwelling
  • Loss of use
  • Personal liability
  • Medical payments
  • Loss assessment

Stillwater Auto Insurance

  • Bodily injury liability
  • Property damage liability
  • Collision
  • Comprehensive
  • Uninsured/underinsured motorist
  • Rental
  • Towing
  • Medical payments
  • Personal injury protection

Stillwater Business Insurance

  • Property coverage
  • Business income coverage
  • Liability coverage

Stillwater Landlord Insurance

  • House
  • Garage
  • Shed and other structures
  • Fair rental income coverage
  • Liability coverage

Your independent insurance agent can help you find more information about the coverage offered by Stillwater, and help you decide if this insurance company is right for you.

What to Know about Stillwater Insurance Company

Stillwater Insurance Group was founded in 2000, giving the carrier more than 20 years of experience in the insurance industry. The insurance company was founded under the name “Fidelity National Property and Casualty Insurance Group.” The same vision and passion that powered their early growth is the core of their continued success. Stillwater has a mission designed to deliver smart, fast, and strong services that make life easier for their customers.

Today, Stillwater still focuses its efforts on personal and business insurance solutions for consumers in need. Coverage is offered in all 50 states. The insurance company's LinkedIn profile states that Stillwater has between 201 and 500 employees, with 216 of them found on the social media platform. As far as their financial size, AM Best places the carrier in the $100 million to $250 million category.

Thanks to its widespread reach and financial strength, Stillwater has earned a reputation as a stable insurance company with a strong outlook for the future. AM Best, the leading global credit rating agency monitoring the insurance industry, gives Stillwater an “A-” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from AM Best assure customers that Stillwater can offer guaranteed, reliable coverage from a financially healthy carrier.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. For customers who are not as familiar with insurance companies’ reputations, AM Best’s rating system allows them to make an informed decision about who they can trust to meet their needs in the short term, and who will remain a strong, financially sound company in the long term.


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What Discounts Does Stillwater Offer?

Stillwater makes discount information readily available on their official website. These discounts include the following:

Home insurance discounts

  • Accredited builder
  • Age of insured
  • Automatic sprinkler
  • Claim-free
  • Gated community
  • Home alarm protection
  • Marital status
  • Multi-policy
  • Newly acquired home
  • Roof type
  • Utility upgrade

Renters insurance discounts

  • Bundle a Stillwater renters and auto policy

 Condo insurance discounts

  • Age of insured
  • Automatic sprinkler
  • Claim-free
  • Bundle auto and home

Auto insurance discounts

  • Age of insured
  • Automatic sprinkler
  • Claim-free
  • Bundle auto and home

Business insurance discounts

  • Bundle with homeowners, auto, or umbrella insurance policies
  • Paying in full
  • Years in business
  • Good credit
  • Claim-free

 Landlord insurance discounts

  • Multi-policy
  • Professional property management

An independent insurance agent can provide better discount information and premium quotes for coverage through Stillwater. When it comes to personal or business insurance coverage, independent insurance agents work hard to make sure you get the most out of your money.

Use our insurance company directory to find the best insurance companies to meet your needs. Locate companies that specialize in your specific coverage needs and get connected to an agent near you.

Stillwater Customer Service

Stillwater offers 24/7 phone, mobile app, and email claims reporting for its policyholders.

  • Log into their mobile app
  • Call them at 1-800-220-1351
  • Email them at

The carrier also provides the following customer service options.

  • Online bill pay
  • Account management
  • Customer service availability - Stillwater provides 24/7 claims reporting as well as customer service hours on their official website.

Hours (EST)

Monday-Friday 8 am - 9 pm

Saturday 8 am - 3 pm

Sunday Closed

The best way to guarantee a great customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

Stillwater Insurance FAQ

Stillwater offers claims reporting through a couple of mediums. However, the insurance company does not provide an official claims response time frame promise. Stillwater does encourage customers to file claims as soon as possible after an incident.

Stillwater allows customers to file claims 24/7 by phone, mobile app, or through email. Their hotline for customer service inquiries specifies business hours on the carrier’s official website and social media pages. The carrier’s social media presence extends across Facebook, Twitter, and LinkedIn, which makes them more accessible to customers.

Stillwater offers a couple of options for claims reporting. However, the insurance company does not go into great detail about their claims process on their official website or social media platforms. If customers have questions about filing or the claims process itself, they can contact the carrier via phone, mobile app, email, or get in touch with their independent insurance agent.

Stillwater’s official website is pretty user-friendly for both personal and business insurance. The carrier does not provide very much information about their claims process or detail a claims response time frame. Online bill pay is available, as is 24/7 claims reporting via phone, mobile app, and email, which are awesome, innovative customer service features. So, Stillwater’s website is pretty easy to navigate and find valuable information.

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