Stillwater Insurance Review

Stillwater

Stillwater Insurance Group is rated A Exceptional and writes homeowners, renters, condo, landlord, and commercial coverage through independent agents. They have broad underwriting appetite in Georgia for homes and risks that some standard carriers decline, including older construction and prior claim histories.

This is what the claims process actually looks like based on published data and complaint records.

Claims Experience

Stillwater's NAIC complaint index of 1.12 is slightly above the national average of 1.0. This is expected for a non-standard carrier whose book includes higher-complexity risks that other carriers declined. Clients should understand that non-standard homeowners claims can be more involved than standard ones, with more documentation required to establish loss amounts on older or non-standard properties. Stillwater's flood claims process benefits from their direct flood writing, which avoids the NFIP servicing delays that some other carriers experience.

Pricing Context

Stillwater prices to reflect the risk they accept. Their rates will be higher than what a clean-record client would pay at Travelers, Nationwide, or Safeco for the same home. The comparison is not between Stillwater and standard carriers. The relevant comparison is between Stillwater and the FAIR Plan or surplus lines options, where Stillwater often provides superior coverage at a comparable or better price point for non-standard risks.

How They Compare

Against the FAIR Plan or surplus lines markets: Stillwater is admitted in Georgia, which provides guarantee fund protection and a simpler placement process. Against Lloyd's surplus lines carriers: Stillwater's admitted status is the key advantage. Against Travelers or Nationwide for a declined risk: Stillwater accepts what they decline. The competitive set for Stillwater is not standard carriers but rather last-resort alternatives, and in that set Stillwater is often a stronger option.