When do I actually need Stillwater in Georgia?

When admitted carriers (Travelers, Nationwide, Safeco, etc.) decline or non-renew the property. Common Georgia triggers: roof age over 15-20 years, two or more claims in five years, manufactured homes, rental properties (landlord DP-3), or unusual property types standard markets avoid. Stillwater is AM Best A-rated and admitted in Georgia, so you still have regulatory protection and guaranty fund backing. We try admitted markets first on every placement. Stillwater is where we go when the answer from admitted carriers is no.