Stillwater Insurance Company Review

Is Stillwater a good insurance company?

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

Stillwater cons: Not much information about claims process provided on 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.

What Type of Insurance Does Stillwater Offer?

Stillwater is a general insurance company, with a focus on coverage for personal and business insurance. Their products include the following.

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
Renters insurance
Losses, Living expenses, Personal liability, Medical coverage
Condo insurance
Personal property, Dwelling, Loss of use, Personal liability, Medical payments, Loss assessment
Auto insurance
Bodily injury liability, Property damage liability, Collision, Comprehensive, Uninsured/underinsured motorist, Rental, Towing, Medical payments, Personal injury protection
Business insurance
Property coverage, Business income coverage, Liability coverage
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

Stillwater was founded in 2000, giving the carrier more than 20 years worth 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 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 stable 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’ respective reputations, AM Best’s ratings 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 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 (Eastern)

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 FAQ

What is Stillwater's average claim response time frame?

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.

What is Stillwater's customer service availability?

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.

What is Stillwater's claims process?

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.

Does Stillwater's insurance create a user-friendly experience for customers?

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.

Stillwater Customer Reviews
“Excellent insurance carrier with expertise in Residential Property Insurance, Automobile Insurance, Personal Umbrella & Business Owner's Coverage. Stillwater Insurance, formerly Fidelity National, has insured hundreds of thousands of homes around the nation and become a secure part of many families' financial security.” —info_70
“We are very pleased with the Professional experience we had with Stillwater Insurance- WE are having trouble arranging with contractors to perform the work due to the Covid 19 virus & restrictions by our Doctors- we are in our 80's & being observed- causing us trouble to get Contractors & this Virus in reply to the work needed- bear with us . I am attempting to start repairs as best as I can-” —William C.
“I have to say that I was pleasantly surprised by the excellent service and kind treatment I received for my renter's insurance claim. My Stillwater representative, Carla, was professional, kind and patient throughout this process. She put no extra pressure on me during this difficult Covid period and I really appreciate that. Gratitude!” —Phillip G.
“Stillwater and Danielle our adjuster were awesome. Quick, easy, professional and on our side from the beginning to the end of the process. Thank you Stillwater!” —Carrie and Reed S.
“Recently had a fire inside the electrical box at our house. Damage was contained within the panel box, but with a 3 and 1 year old in the house, it needed to be fixed quickly. Stillwater Insurance understood that, and allowed repairs to begin even before they inspected the damage. By the time they got out to see the damage, the panel had already been replaced. Stillwater came through with a check in short order and everything is back to normal.” —Ed W.'s Final Review

We award Stillwater Insurance Company a final rating of 5 out of 5 stars. The insurance company has been around for more than 20 years now, which is remarkable within the insurance industry. And, it seems the carrier has definitely used this time to their advantage. They have coverage throughout all 50 states. Stillwater has received high ratings through AM Best and the BBB, and they have been accredited through the latter organization. The insurance company provides 24/7 claims reporting via phone, mobile app, and email as well as online bill pay and account management. There is plenty of information about the carrier’s coverage on their official website, but there is not a claims response time frame promise at all. It is easy to find positive customer feedback about the insurance company online. So it is really easy to say many positive things about this carrier. Our recommendation is that if you’re in the market for personal or business insurance, review your options for trusted carriers with your independent insurance agent, and definitely look further into Stillwater.

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