Stillwater Insurance Review 2024

YourPocket’s Rating: Good

When it comes to finding reliable and affordable insurance, Stillwater Insurance stands out as a solid option. Based on comprehensive evaluations, YourPocket has awarded Stillwater Insurance a “Good” rating. This rating reflects the company’s diverse coverage options, competitive pricing, and positive customer service experiences. In this review, we’ll explore who is best suited for Stillwater Insurance, the various coverage options available, the perks of choosing Stillwater, and how it fares in ratings from J.D. Power, NAIC, and AM Best.

Who is Stillwater Insurance Best Suited For?

Stillwater Insurance is ideal for individuals and families looking for comprehensive and affordable insurance solutions. Here’s a closer look at who might benefit the most from Stillwater Insurance:

• Homeowners: Those needing reliable home insurance with extensive coverage options.
• Renters: Individuals seeking affordable renters insurance to protect their belongings.
• Drivers: People looking for auto insurance that offers comprehensive coverage at competitive rates.
• Tech-Savvy Consumers: Individuals who prefer managing their insurance policies online.
• Budget-Conscious Individuals: Those looking for cost-effective insurance without compromising on quality.

Coverage Options

Stillwater Insurance offers a variety of policies designed to meet the diverse needs of its customers. Here’s a detailed look at the main coverage options available:

Home Insurance

Stillwater Insurance provides comprehensive home insurance policies that protect your home and belongings. Here are the main coverage options:

Dwelling Coverage
This covers the cost of repairing or rebuilding your home if it’s damaged by covered perils like fire, wind, or hail.
Estimated Quote: $80-$150 per month, depending on the home’s location, size, and construction type.

Personal Property Coverage
This protects your personal belongings, such as furniture, electronics, and clothing, if they are damaged or stolen.
Estimated Quote: $20-$50 per month.

Liability Coverage
This covers legal expenses and damages if someone is injured on your property and you’re found legally responsible.
Estimated Quote: $15-$35 per month.

Loss of Use Coverage
This helps cover additional living expenses if your home is uninhabitable due to a covered event, such as hotel stays and restaurant meals.
Estimated Quote: $10-$20 per month.

Auto Insurance

Stillwater also offers auto insurance with a variety of coverage options to meet your needs:

Liability Coverage
This is the basic coverage required by most states, covering bodily injury and property damage that you may cause to others in an accident.
Estimated Quote: $50-$100 per month, depending on your driving record and location.

Collision Coverage
This covers damages to your vehicle if you’re involved in an accident, regardless of who is at fault.
Estimated Quote: $100-$200 per month, based on the vehicle’s value and your deductible choice.

Comprehensive Coverage
This covers damages to your vehicle that are not caused by a collision, such as theft, vandalism, or natural disasters.
Estimated Quote: $80-$150 per month, depending on the vehicle and deductible.

Uninsured/Underinsured Motorist Coverage
This protects you if you’re in an accident with a driver who doesn’t have enough insurance or no insurance at all.
Estimated Quote: $30-$70 per month, depending on coverage limits.

Renters Insurance

For renters, Stillwater offers affordable policies to protect your personal property and provide liability coverage:

Personal Property Coverage
This protects your belongings inside your rental home or apartment.
Estimated Quote: $10-$25 per month.

Liability Coverage
This covers legal expenses if someone is injured in your rental home and you’re found responsible.
Estimated Quote: $10-$20 per month.

Loss of Use Coverage
This helps cover additional living expenses if your rental becomes uninhabitable due to a covered event.
Estimated Quote: $5-$15 per month.

Perks of Choosing Stillwater Insurance

Choosing Stillwater Insurance comes with several benefits that make it a compelling option:

Comprehensive Coverage Options
From home and auto to renters insurance, Stillwater provides a wide range of coverage options to meet different needs. This ensures you can find a plan that offers the protection you need at a price you can afford.

Competitive Rates
With competitive pricing and various discounts available, Stillwater provides affordable insurance options without compromising on coverage.

Reliable Customer Service
Stillwater is known for its responsive and helpful customer service. Their team is available to answer questions and assist with claims, ensuring a smooth experience for policyholders.

Flexible Payment Options
Stillwater allows you to choose how you pay for your insurance, whether it’s monthly, quarterly, or annually. This flexibility helps you manage your budget more effectively.

User-Friendly Platform
Stillwater’s online platform is easy to navigate, making it simple to get quotes, purchase policies, and manage your account. This convenience is a major perk for tech-savvy customers.

Ratings from J.D. Power, NAIC, and AM Best

When evaluating an insurance company, it’s essential to consider ratings from reputable organizations. Here’s how Stillwater Insurance performs:

J.D. Power

J.D. Power is renowned for its customer satisfaction studies. Stillwater Insurance has received positive feedback from customers, particularly regarding their customer service and claim handling. This reflects Stillwater’s commitment to providing a positive customer experience.

NAIC (National Association of Insurance Commissioners)

The NAIC tracks the number of complaints received by insurance companies. Stillwater has a lower-than-average complaint ratio, indicating that most customers are satisfied with their service. This is a good sign for potential customers looking for a reliable insurance provider.

AM Best

AM Best is a global credit rating agency focusing on the insurance industry. They rate companies based on their financial strength and ability to meet policyholder obligations. Stillwater Insurance has received a solid rating from AM Best, reflecting its strong financial stability and reliability.

Stillwater Insurance Reviews

When considering an insurance provider, it’s helpful to look at what other customers are saying. Stillwater insurance reviews offer insight into the experiences of other policyholders. Here’s a summary:

Positive Reviews

• Comprehensive Coverage: Many customers appreciate the extensive coverage options available with Stillwater.
• Excellent Customer Service: Numerous reviews highlight the helpful and responsive customer service team.
• Easy Claims Process: Customers enjoy the straightforward and hassle-free claims process.
• Affordable Rates: Positive feedback on the competitive pricing for home and auto insurance policies.

Negative Reviews

• Policy Exclusions: A few reviews mention specific exclusions in the policy, so it’s essential to read the fine print.
• Premium Increases: Some customers have noted increases in premiums over time, which can be a concern for long-term policyholders.

Stillwater Home Insurance Reviews

Stillwater home insurance reviews provide additional insight into the specific experiences of homeowners. Here’s a summary:

Positive Reviews

• Comprehensive Coverage: Homeowners appreciate the wide range of coverage options that Stillwater offers.
• Quick Claims Process: Numerous reviews highlight the efficiency and ease of the claims process.
• Affordable Rates: Homeowners often mention the competitive pricing for home insurance policies.
• Excellent Customer Support: Positive feedback on the helpfulness and responsiveness of the customer service team is common.

Negative Reviews

• Coverage Limits: Some homeowners have mentioned concerns about the limits of certain coverage options.
• Policy Exclusions: A few reviews note that some exclusions in the policies were not initially clear.

Important Tips for Selecting a Plan

When choosing an insurance plan with Stillwater, consider these important tips to ensure you make the best decision:

Assess Your Coverage Needs
Determine the value of your home, belongings, or vehicle to ensure you have adequate coverage. Make sure you’re covered for all potential risks.

Compare Quotes
Get quotes for different coverage levels to find the best rate. Stillwater Insurance offers competitive pricing, but it’s always wise to compare with other providers to ensure you’re getting the best deal.

Understand Policy Details
Read the fine print to understand what is and isn’t covered. Pay close attention to coverage limits, deductibles, and any exclusions.

Check Customer Service
Look into Stillwater Insurance’s customer service reputation. Good customer service can make a big difference, especially if you need to file a claim. Reading reviews and ratings from other customers can provide insight into their experiences.

Consider Discounts
Ask about any discounts that might apply to you, such as safe driver discounts, multi-policy discounts, or good student discounts. These can significantly lower your premium.

Conclusion

Stillwater Insurance offers a variety of comprehensive and affordable coverage options for homeowners, renters, and drivers. With their strong customer service, competitive rates, and user-friendly platform, Stillwater stands out as a top choice for many individuals and families. By assessing your needs, comparing quotes, and understanding policy details, you can find the right plan to protect your home, belongings, and vehicle. Remember to check customer service reviews and consider any discounts you might be eligible for to get the best deal. With Stillwater Insurance, you can have peace of mind knowing you’re well-protected.