Stillwater Property and Casualty Insurance Company Review (2024)
Stillwater Property and Casualty Insurance Company, with its A.M. Best rating of A (Excellent) and a commendably low complaint level, emerges as a go-to choice for individuals seeking reliable and customizable insurance solutions.
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Stillwater Property and Casualty Insurance Company
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- Wide range of insurance offerings, including Homeowners, Renters, Condo, Landlord, and Umbrella Insurance.
- Competitive rates without compromising on coverage quality.
- Customizable policies to tailor coverage to individual needs.
- Strong financial foundation and reputation for reliability.
- Hassle-free claims process with excellent customer support.
Cons
- Limited information is available on specific customer feedback or reviews.
- May not be available in all regions, so availability may vary by location.
- While rates are competitive, they may not always be the absolute lowest in the market.
In our comprehensive exploration of Stillwater Property and Casualty Insurance Company, we’ve delved into a reputable insurer that boasts an A.M. Best Rating of A (Excellent) and maintains a commendably low complaint level.
Stillwater stands out for its diverse insurance portfolio, covering Homeowners, Renters, Condo, Landlord, and Umbrella Insurance, all at competitive rates. The company’s strength lies in its flexibility, offering customizable policies to suit individual needs, backed by a solid financial foundation and a reputation for reliability.
While customer feedback specifics remain limited, Stillwater’s hassle-free claims process and dedicated customer support add to its appeal. Whether you’re safeguarding your home, rental property, or belongings, Stillwater Insurance offers a comprehensive and trusted solution that’s both reassuring and accommodating.
Stillwater Property and Casualty Insurance Company Insurance Coverage Options
Stillwater Property and Casualty Insurance Company provides a variety of coverage options to meet the insurance needs of its policyholders. These coverage options include:
- Homeowners Insurance: Stillwater offers standard homeowners insurance, which typically covers the structure of your home, personal property, liability protection, and additional living expenses in case of a covered loss.
- Renters Insurance: Renters can protect their personal belongings, liability, and additional living expenses with Stillwater’s renters insurance policies.
- Condo Insurance: Stillwater offers specialized insurance coverage tailored to the unique needs of condominium owners, including coverage for personal property and liability within your condo unit.
- Landlord Insurance: Landlords can safeguard their rental properties with Stillwater’s landlord insurance, which covers the structure, liability protection, and loss of rental income due to covered events.
- Umbrella Insurance: Stillwater provides umbrella insurance, offering extra liability protection that extends beyond the limits of your primary policies, providing increased financial security.
- Flood Insurance: Flood insurance is available as a separate policy to protect against damage caused by floods, which are typically not covered under standard homeowners insurance.
- Earthquake Insurance: For those in earthquake-prone areas, Stillwater offers earthquake insurance to protect against the damage caused by seismic events.
- Identity Theft Coverage: Stillwater may provide coverage to help policyholders recover from identity theft incidents, including legal expenses and identity restoration services.
- Personal Property Replacement Cost: This option ensures that, in the event of a covered loss, your personal property is replaced at its current market value without depreciation.
- Additional Coverage Riders: Stillwater may offer various optional coverage riders that can be added to your policy to provide specialized protection, such as coverage for high-value items like jewelry or fine art.
Read more: Stillwater Insurance Company Review
The availability of these coverage options and the specific terms and conditions may vary depending on your location and policy type. It’s essential for policyholders to work with Stillwater’s agents or consult the company’s documentation for precise details on the coverage options available in their area and how they can customize their policies to suit their needs.
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Stillwater Property and Casualty Insurance Company Insurance Rates Breakdown
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| Driver Profile | Stillwater Property and Casualty Insurance | National Average |
|---|---|---|
| Clean Record | $92 | $119 |
| 1+ Ticket | $142 | $147 |
| 1+ Accident | $173 | $173 |
| DUI | $221 | $209 |
| Poor Credit | $158 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Stillwater Property and Casualty Insurance Company Discounts Available
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| Discounts | Stillwater Property and Casualty Insurance |
|---|---|
| Anti Theft | 10% |
| Good Student | 14% |
| Low Mileage | 12% |
| Paperless | 10% |
| Safe Driver | 20% |
| Senior Driver | 9% |
Stillwater Property and Casualty Insurance Company offers a range of discounts to help policyholders save on their insurance premiums. These discounts are designed to reward responsible behavior, improve safety, and encourage customer loyalty. Here are some of the discounts typically offered by Stillwater:
- Multi-Policy Discount: Customers can save by bundling multiple insurance policies, such as Homeowners and Auto Insurance, with Stillwater.
- Protective Device Discount: Installing security and safety devices on your property, like burglar alarms or fire alarms, can earn you a discount on your insurance premiums.
- Claims-Free Discount: Policyholders who maintain a claims-free history with Stillwater may qualify for reduced premiums as a reward for responsible homeownership.
- New Home Discount: If your home is relatively new, you might be eligible for a discount as newer homes often have modern construction features that reduce risk.
- Renewal Discount: Loyal customers who renew their policies with Stillwater may receive a discount for their continued commitment.
- Mature Homeowner Discount: Older homeowners may qualify for discounts, recognizing their typically lower risk profiles.
- Green Home Discount: If you’ve implemented energy-efficient features in your home, such as solar panels or energy-efficient appliances, you may be eligible for savings.
- Paid-in-Full Discount: Paying your annual premium upfront can result in a discount on your policy.
- Homeowner Association Discount: Living in a community with a homeowner association may make you eligible for a discount.
It’s important to note that the availability and specifics of these discounts may vary by location and policy type. Customers should consult with a Stillwater agent or review the company’s website for the most up-to-date information on discounts and eligibility criteria.
How Stillwater Property and Casualty Insurance Company Ranks Among Providers
Stillwater Property and Casualty Insurance Company faces competition from several key players in the insurance industry, particularly in the property and casualty insurance sector. Some of its main competitors include:
- State Farm Insurance: State Farm is one of the largest insurers in the United States, offering a wide range of insurance products, including Homeowners, Renters, Condo, and Umbrella Insurance. They are known for their extensive agent network and strong customer service.
- Allstate Corporation: Allstate is another major insurance company with a significant presence in the property and casualty insurance market. They provide coverage for homes, apartments, and condos, and offer umbrella insurance. Allstate is recognized for its advertising campaigns and extensive customer base.
- Progressive Corporation: Progressive primarily focuses on auto insurance but also offers Homeowners Insurance, Renters Insurance, and other property-related coverage. They are known for their innovative online tools and competitive pricing.
- Liberty Mutual Insurance: Liberty Mutual is a global insurer that offers a variety of insurance products, including Homeowners and Renters Insurance. They are recognized for their comprehensive coverage options and various discounts.
- Farmers Insurance Group: Farmers Insurance provides a wide range of insurance products, including Homeowners and Renters Insurance. They are known for their customizable policies and agent network.
- Geico: While Geico is renowned for its auto insurance, it also offers some property-related insurance options, like Renters Insurance and Condo Insurance. GEICO is notable for its affordability and user-friendly online services.
- Travelers Companies, Inc.: Travelers is a leading property and casualty insurer, offering Homeowners Insurance, Condo Insurance, and other property coverage. They are recognized for their financial strength and tailored insurance solutions.
- USAA: USAA primarily serves military members and their families, providing a variety of insurance products, including Homeowners and Renters Insurance. They are known for their exceptional customer service and specialized offerings.
These competitors challenge Stillwater with their extensive resources, brand recognition, and diverse product portfolios. To remain competitive, Stillwater needs to continue emphasizing its unique selling points, such as customization, competitive rates, and excellent customer service.
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Streamlining Stillwater Property and Casualty Insurance Company Claims Process
Ease of Filing a Claim
Stillwater Property and Casualty Insurance Company makes the claims process hassle-free for its policyholders. Whether you prefer the convenience of filing a claim online, a quick phone call, or utilizing their user-friendly mobile apps, the company offers multiple avenues for reporting claims. This flexibility ensures that policyholders can choose the method that suits them best.
Average Claim Processing Time
Policyholders with Stillwater can expect efficient and prompt claim processing. The company’s commitment to timely claims handling helps reduce unnecessary delays, ensuring that customers receive the support they need when they need it.
Customer Feedback on Claim Resolutions and Payouts
Stillwater Property and Casualty Insurance Company values customer feedback, especially when it comes to claim resolutions and payouts. They actively seek input from policyholders to continually enhance their claims process. Positive customer feedback highlights the company’s dedication to providing fair and timely claim settlements, reinforcing their reputation for reliability.
Navigating Stillwater Property and Casualty Insurance Company’s Digital and Technological Features
Mobile App Features and Functionality
Stillwater Property and Casualty Insurance Company offers a comprehensive mobile app equipped with a wide range of features and functionalities.
Compatible with both Android and iOS devices, the app empowers policyholders to file claims, access policy details, and perform various insurance-related tasks with ease. The mobile app ensures that policyholders have convenient access to their insurance resources whenever and wherever they need them.
Online Account Management Capabilities
Policyholders benefit from Stillwater Property and Casualty Insurance Company’s user-friendly online platform, designed to facilitate effortless management of their insurance accounts.
This platform allows individuals to efficiently handle various aspects of their insurance policies, from reviewing coverage details to making premium payments. Stillwater Property and Casualty Insurance Company prioritizes user-friendly online account management to enhance the customer experience.
Digital Tools and Resources
Stillwater Property and Casualty Insurance Company goes the extra mile by providing a suite of digital tools and resources to support policyholders.
These resources include educational materials, financial planning tools, and other digital assets that empower customers to make informed decisions about their insurance. Stillwater Property and Casualty Insurance Company’s commitment to digital innovation ensures that their policyholders have access to valuable resources when navigating the complexities of insurance.
Frequently Asked Questions
How can I get a quote for Stillwater Insurance?
You can obtain a quote from Stillwater Insurance by visiting their official website and using their online quote tool. Alternatively, you can contact a local Stillwater agent or their customer service for assistance with obtaining a quote tailored to your specific needs.
What factors affect my insurance premium with Stillwater?
Several factors influence your insurance premium, including the type and amount of coverage you choose, your location, the age and condition of your property, your claims history, your credit score, and any applicable discounts you may qualify for.
What should I do if I need to file a claim with Stillwater?
To file a claim with Stillwater, contact their claims department as soon as possible after an incident. You can find the claims contact information on their website or your policy documents.
Can I bundle multiple insurance policies with Stillwater for discounts?
Yes, Stillwater offers a multi-policy discount when you bundle multiple insurance policies with them. This can include bundling your Homeowners or Renters Insurance with Auto Insurance, for example. Bundling can lead to significant cost savings on your insurance premiums.
Is Stillwater Insurance available nationwide?
While Stillwater Property and Casualty Insurance Company offers coverage in many states across the United States, its availability may vary by location. To determine if Stillwater operates in your area, you can check their website, contact a local agent, or reach out to their customer service for the most up-to-date information on coverage areas.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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