Stillwater Insurance: An Analytical Insurance Agent Perspective
Founded in 2000 as the Fidelity National Property and Casualty Insurance Group, Stillwater Insurance Group has grown to become a national insurance provider offering a full suite of insurance products and services. The company was initially a branch of Fidelity National Financial (FNF), the country’s largest provider of commercial and residential title and mortgage services.
Backed by capital and more than 250 experienced and passionate team members, FNF’s former property and casualty division was rebranded as the Stillwater Insurance Group. Today, the group is made up of three separate companies: Stillwater Insurance Company, Stillwater Insurance Services, Inc., and Stillwater Property and Casualty Insurance Company. The company has offices in Jacksonville, Florida; Jericho, New York; and Omaha, Nebraska.
Stillwater Insurance Group serves customers in all 50 states, providing a range of essential personal insurance products, as well as a growing line of commercial products. The company’s mission is to deliver intelligent, fast, and vital services that make life easier for its customers. Over the years, Stillwater has continued to focus its efforts on personal and business insurance solutions for consumers in need across the United States.
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Home Insurance Coverages Offered by Stillwater Insurance
Stillwater Insurance offers homeowners insurance that covers a variety of aspects, including dwelling, personal property, personal liability, other structures, medical payments, and loss of use. They also provide eight optional coverages, including unique ones like animal liability. Here, we will expound on some of the coverages you requested more information on:
Animal Liability Coverage
Animal liability coverage is an optional coverage offered by Stillwater Insurance that protects you in case your pet causes injury to someone or damages their property. This coverage can be particularly useful for homeowners with pets that may pose a risk to others.
Other Structures Coverage
Other structures coverage protects structures on your property that are separate from your main dwelling, such as garages, sheds, or fences. Typically, the coverage limit for other structures starts at 10% of the amount of your dwelling coverage (Coverage A), but you can increase this limit if needed.
Dwelling coverage is the primary component of a homeowners insurance policy. It covers the cost to repair or rebuild your home if it is damaged or destroyed by events like fire, storm, or other perils specified in the policy.
Personal Property Coverage
Personal property coverage protects your belongings inside your home, such as furniture, clothing, and appliances, in case they are damaged, destroyed, or stolen. This coverage typically has specific sub-limits for certain items like jewelry or firearms, which may require additional insurance.
Medical Payments Coverage
Medical payment coverage helps pay for medical expenses if someone is accidentally injured on your property. This coverage is designed to cover minor injuries without the need for a liability claim.
Loss of Use Coverage
Loss of use coverage provides financial assistance for additional living expenses if your home becomes uninhabitable due to a covered loss. This can include costs like temporary housing, meals, and other expenses incurred while your home is being repaired or rebuilt.
Personal Liability Coverage
Personal liability coverage protects you and your family members from financial loss if you are found legally responsible for causing injury to someone else or damaging their property. This coverage can help pay for legal fees, medical bills, and other expenses related to the incident.
Business Insurance: Stillwater Insurance's Commercial Products
Stillwater Insurance provides a growing line of commercial insurance products to meet the needs of businesses. Some of the specific commercial insurance products offered by Stillwater Insurance include Business Owners Policy (BOP), General Liability (GL), and Commercial Auto insurance.
Business Owners Policy (BOP)
A Business Owners Policy (BOP) is a package of essential coverages for small to medium-sized companies. It insures your buildings, contents, or equipment, and provides basic business liability insurance. BOP also helps you maintain your income if a fire or other incident interrupts your business. Stillwater’s BOP product is designed to be easy to buy and easy to own, with affordable pricing and clear, understandable policy wording and coverage options.
General Liability (GL) Insurance
General Liability insurance protects your business from financial loss resulting from claims of injury or damage caused to others by your business operations. It covers legal fees, medical expenses, and other costs associated with such incidents. While a BOP includes general liability coverage, businesses can also purchase standalone GL policies if they have little property or are more concerned with liability risks.
Commercial Auto Insurance
Commercial Auto insurance is designed to cover vehicles used for business purposes. This coverage protects your business from financial loss due to accidents, theft, or damage involving your company’s vehicles. It can cover both owned and non-owned vehicles used for business purposes, including cars, trucks, and vans.
Your Stillwater agent can help identify your business’s specific insurance needs and customize a coverage plan that’s right for you. By understanding the different commercial insurance products available, you can ensure that your business is adequately protected against potential risks and liabilities.
Auto Insurance: Coverages Offered by Stillwater Insurance
Stillwater Insurance offers a variety of auto policy coverages, including basic options like bodily injury liability, property damage liability, personal injury protection, medical payments, comprehensive, collision, and uninsured/underinsured motorist. They also provide extra coverage options such as rental reimbursement and towing and roadside assistance. Let’s expound on these specific coverages:
Bodily Injury Liability
Bodily injury liability coverage protects you if you cause an accident that results in injuries to other people. It covers medical expenses, lost wages, and other costs associated with the injuries.
Property Damage Liability
Property damage liability coverage pays for damage you cause to another person’s property in an accident, such as their vehicle, fence, or building.
Personal Injury Protection (PIP)
Personal injury protection (PIP) is a no-fault coverage that pays for medical expenses, lost wages, and other costs related to injuries sustained by you or your passengers in an accident, regardless of who is at fault.
Collision coverage pays for damage to your vehicle resulting from a collision with another vehicle or object, regardless of who is at fault.
Comprehensive coverage pays for damage to your vehicle caused by events other than a collision, such as theft, vandalism, fire, or natural disasters.
Medical Payments Coverage
Medical payment coverage helps pay for medical expenses for you and your passengers, regardless of who is at fault in an accident.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage protects you if you are involved in an accident with a driver who has no insurance or insufficient insurance to cover your damages.
Rental reimbursement coverage helps pay for a rental car if your vehicle is being repaired due to a covered loss.
Towing and Roadside Assistance
Towing and roadside assistance coverage provides help if your vehicle breaks down, such as towing, battery jump-start, flat tire change, and fuel delivery.
Stillwater Insurance offers a wide range of auto insurance coverages to protect you, your vehicle, and others on the road. By understanding the different coverages available, you can customize your auto insurance policy to meet your specific needs and ensure you are adequately protected.
Rental Properties Insurance: Coverages Offered by Stillwater Insurance
Stillwater Insurance provides coverage for rental properties, including homeowners insurance policy forms, renters insurance, condo or unit owner insurance, and dwelling property insurance for landlords.
Homeowners Insurance Policy Forms
For landlords, Stillwater Insurance offers a Landlord Insurance policy, which is ideal for owners of non-commercial rental homes. This policy provides some of the same benefits as a homeowners policy, primarily for property you own and rent to others. It covers the house, any damaged outbuildings, and major appliances. Tenants’ personal belongings are covered under their renter’s policies.
Stillwater Insurance offers Renters Insurance policies that reimburse tenants for damaged or stolen possessions. These policies cover losses caused by theft, fire, smoke, storm damage, water overflow, and electrical surges. Renters Insurance also includes Personal Liability coverage, which protects tenants if they cause another person’s injury or property damage, and medical coverage, which pays medical expenses related to a covered incident.
Condo or Unit Owner Insurance
Condo insurance from Stillwater Insurance covers the inside of a condo unit while the external areas are typically covered by the homeowners association. This insurance also protects condo owners against liability claims if they are found to be responsible for another person’s injury or property damage, or if they have legal fees due to a lawsuit.
Dwelling Property Insurance for Landlords
Stillwater Insurance offers Dwelling Property Insurance for landlords, which includes coverage for property damage, liability against tenant lawsuits, and loss of rental income. This type of insurance is essential for landlords who rent out their properties for more than 30 days at a time. It is important to note that a landlord policy does not typically cover short-term rentals.
Stillwater Insurance provides a range of insurance products to cover various types of rental properties. By understanding the different coverages available, landlords and tenants can ensure that their properties and belongings are adequately protected.
What are customers saying about Stillwater Insurance?
Stillwater Insurance has mixed customer reviews. On WalletHub, the company has a 2.8 NAIC rating, indicating more customer complaints than its average competitor. On Yelp, Stillwater Insurance Group has a 1.5-star rating based on 30 reviews. However, on Clearsurance, the company has a more positive distribution of ratings, with 42.11% of customers rating their experience as poor, while 21.05% rate it as excellent, and another 21.05% rate it as great.
Analysis of positive and negative reviews
Positive reviews often highlight the company’s reliable and affordable coverage options, as well as its professional and friendly customer service. On the other hand, negative reviews tend to focus on issues with claims processing, low payouts, and difficulty canceling policies.
Claims and Settlements
How to file a claim with Stillwater Insurance
To file a claim with Stillwater Insurance, you can use the following methods:
- Self Service portal or mobile app
- Call the 24/7 claims hotline at (800) 220-1351
- Email firstname.lastname@example.org
When reporting a claim, be prepared to provide relevant information such as your policy number, contact information, and details about the incident.
Understanding the claims process
Once you file a claim, an examiner will review the claim report and follow up with you. In some cases, an adjuster or contractor from Stillwater’s approved contractor network may be sent to determine the value of the loss. The claim examiner’s role is to help you sort through your coverages and make decisions, including whether to file a claim if your deductible exceeds the value of the loss. Stillwater’s around-the-clock claims reporting ensures fast, knowledgeable, and empathetic claims handling by professionals committed to the highest standards.
Stillwater Insurance Ratings
Analysis of Stillwater Insurance’s ratings from different agencies
Stillwater Insurance has received mixed ratings from various agencies. The company holds an A- (Excellent) rating for financial strength from AM Best, indicating that it has the financial capability to pay out claims when necessary. Stillwater Insurance is also accredited by the Better Business Bureau (BBB) and has an A+ rating from the organization. However, the company has a 2.8 NAIC rating, which means it has more customer complaints than its average competitor, adjusted for size.
What these ratings mean for customers
These ratings suggest that Stillwater Insurance has the financial strength to fulfill its obligations to policyholders, but customers should be aware of the mixed customer reviews and complaints. The company’s financial strength ratings from AM Best and BBB accreditation indicate that it is a reliable insurance provider. However, the higher-than-average NAIC rating suggests that customers may experience issues with claims processing or customer service.
Blake Insurance Group: An Independent Agent Representing Stillwater Insurance
Blake Insurance Group is an independent insurance agency that represents Stillwater Insurance, among other major insurance companies like Progressive, Safeco, and Nationwide
As an independent agent, Blake Insurance Group can cater to a diverse range of customer needs by offering a variety of insurance products for homeowners, renters, auto, and business clients. The experienced team at Blake Insurance Group works closely with these insurance providers to find the best coverage for their clients.
By partnering with Stillwater Insurance, Blake Insurance Group can offer its clients the financial stability and diverse range of insurance products that Stillwater is known for. This includes homeowners insurance, renters insurance, condo or unit owner insurance, dwelling property insurance for landlords, auto insurance, and business insurance.
Blake Insurance Group is an independent insurance agency that represents Stillwater Insurance, providing clients with personalized insurance solutions and access to a wide range of insurance products to meet their specific needs.