stillwater insurance
As an independent insurance agent with Blake Insurance Group, I understand the importance of finding reliable and comprehensive coverage tailored to your unique needs. That’s why I’m excited to introduce you to Stillwater Insurance Group, a company known for its commitment to providing top-notch insurance solutions.
With a strong reputation for financial stability and exceptional customer service, Stillwater Insurance offers a wide range of products designed to protect what matters most to you.
Whether you’re looking for auto, home, business, or specialty insurance, Stillwater has you covered. In this article, we’ll explore the various insurance options available, highlight the benefits of choosing Stillwater, and explain how Blake Insurance Group can help you navigate these choices to find the perfect fit for your needs.
Whether you’re in Arizona, Alabama, Florida, Georgia, New Mexico, New York, North Carolina, Oklahoma, Ohio, Texas, or Virginia, we’re here to provide personalized service and expert guidance every step.
Why Choose Stillwater Insurance?
Choosing Stillwater Insurance offers several compelling benefits for potential clients. Here are some key reasons to consider:
**Financial Stability and Strong Ratings**: Stillwater Insurance is recognized for its excellent financial strength, earning an “A-” rating from AM Best and an “A” rating from Demotech, Inc. This stability provides consumers with confidence in their choice of insurer.
**Comprehensive Product Offerings**: Stillwater provides a wide range of insurance products, including auto, home, and business insurance. This allows clients to find comprehensive coverage solutions tailored to their specific needs.
**Outstanding Customer Service**: The company is committed to delivering exceptional service, making insurance processes straightforward and accessible. They offer features like paperless options, which reduce waste and improve the speed and convenience of accessing policy documents.
**Competitive Rates and Discounts**: Stillwater offers competitive rates on its insurance products, with additional discounts available to help clients save even more. This makes quality insurance more affordable.
**Innovative and Adaptive**: The company is known for adapting to new technologies and helping customers and agents utilize these advancements to their advantage. This focus on innovation ensures that clients receive intelligent, fast, and strong services.
**Reputation and Trust**: With a long-standing reputation in the industry and transparency in its operations, Stillwater Insurance has earned the trust of its customers. They are committed to integrity and delivering on promises, as reflected in their “A+” rating from the Better Business Bureau.
Personal Insurance Offered by Stillwater Insurance
Stillwater Insurance provides a comprehensive range of personal insurance products designed to meet the diverse needs of individuals and families. Here’s an overview of the critical personal insurance options available:
**Auto Insurance**: Stillwater offers various auto insurance policies, including essential coverage options such as liability, collision, and comprehensive coverage. Their policies can be tailored to fit individual driving habits and vehicle types, ensuring clients have the protection they need on the road.
**Homeowners Insurance**: Protecting your home and personal belongings is crucial, and Stillwater’s homeowners insurance policies cover damages due to events like fire, theft, and natural disasters. They also provide options for additional coverage on valuable items and personal property.
**Renters Insurance**: For those who rent their living spaces, Stillwater offers renters insurance that protects personal belongings against theft, fire, and other risks. This coverage is essential for safeguarding your possessions when living in a rented property.
**Condo Insurance**: Stillwater’s condo insurance policies are tailored to cover the unique needs of condominium owners, including protection for personal property and liability coverage for incidents occurring within the unit.
**Landlord Insurance**: If you own rental properties, Stillwater provides landlord insurance that covers property damage, liability, and loss of rental income. This coverage is designed to protect landlords from the risks associated with renting out their properties.
**Umbrella Insurance**: For added peace of mind, Stillwater offers umbrella insurance policies that provide additional liability coverage beyond the limits of standard auto and homeowners policies. This is particularly useful for protecting assets in the event of a significant claim.
**Earthquake Insurance**: In areas prone to seismic activity, Stillwater provides earthquake insurance to cover damages to homes and personal property caused by earthquakes. This is an essential policy for residents in high-risk regions.
Valuable Items Insurance: Stillwater provides insurance for valuable personal items such as jewelry, art, and collectibles. This coverage ensures that high-value possessions are protected against loss, theft, or damage, offering peace of mind to policyholders
*Identity Fraud Insurance: Identity theft is a growing concern, and Stillwater offers identity fraud insurance. This coverage helps individuals recover from identity theft by covering expenses related to restoring their identity and repairing credit.
Business Insurance Offered by Stillwater Insurance
Stillwater Insurance provides a comprehensive suite of business insurance products designed to protect small to medium-sized businesses from various risks. Here’s an overview of the key business insurance offerings:
**Business Owners Policy (BOP)**: Stillwater’s BOP is a convenient package of essential coverages tailored for small to medium-sized companies. It includes property insurance for buildings and contents, business liability insurance, and business interruption coverage to help maintain income if events like fires disrupt operations.
**Customizable Coverage**: The BOP can be customized to suit the specific needs of different business types. Depending on the nature of the business, additional coverages such as vehicle or professional liability insurance can be added. This flexibility ensures that businesses have the precise protection they require.
**Industry-Specific Solutions**: Stillwater specializes in providing insurance solutions for various industries, including:
– **Small Businesses**: Protection against liability and property damage claims.
– **Medical Clinics and Healthcare Providers**: Coverage for professional and general liability.
– **Restaurants**: Policies covering liquor liability and commercial auto coverage risks.
– **Retailers**: Insurance against slip-and-falls, property damage, and other common risks.
– **Consulting and Financial Services**: Protection against claims of negligence and identity theft.
– **Churches and Religious Organizations**: Comprehensive liability coverage.
**Competitive Quotes and Discounts**: Stillwater offers quick and competitive quotes for new and established businesses. They provide multiple deductibles, coverage limits, and payment plan options, making it easier for businesses to find a policy that fits their budget. Additional savings can be achieved by bundling business insurance with other policies like homeowners or auto insurance.
**Ease of Use**: The BOP is designed to be easy to purchase and manage. Businesses can obtain quotes and buy policies online or through an agent, with policy documents available electronically. This streamlined process allows business owners to focus more on their operations and less on insurance paperwork.
Claims Process and Customer Support
Stillwater Insurance’s claims process and customer support are designed to be efficient and accessible, providing policyholders with multiple options for reporting and managing their claims.
Claims Process
**24/7 Claims Reporting**: Stillwater Insurance allows policyholders to report claims 24 hours a day, 7 days a week. Claims can be filed by calling their dedicated claims hotline at (800) 220-1351 or through their online customer portal and mobile app, making it convenient for clients to report incidents anytime.
**Self-Service Portal and Mobile App**: The most efficient way to report a claim is through Stillwater’s Self-Service portal or mobile app. These platforms enable users to file claims quickly and easily, providing a streamlined process for submitting necessary information and tracking claims status.
**Information Required**: When reporting a claim, having the necessary information ready can expedite the process. This includes details about the incident, policy number, and any supporting documentation or evidence related to the claim.
**After-Hours Service**: Stillwater uses Lynx Services LLC to take the initial notice of loss and provide limited guidance for claims reported after regular business hours. While they can collect initial information, coverage verification is conducted by a Stillwater examiner who will follow up with the claimant.
Customer Support
**Multiple Communication Channels**: Stillwater Insurance offers various ways for customers to reach their support team, including phone, email, and fax. This ensures that policyholders can get assistance that suits their preferences.
**Translation Services**: Recognizing the diverse needs of their clients, Stillwater provides translation services for customers who speak languages other than English. This service covers dozens of languages, ensuring clear communication and understanding during the claims process.
**General Inquiries and Assistance**: For general inquiries, policy management, and additional support, customers can contact Stillwater’s customer service during business hours. The team is available to help with questions about policies, coverage, and claims.
Overall, Stillwater Insurance is committed to providing reliable and responsive customer support, ensuring that policyholders can access the resources they need to manage their insurance effectively.
Stillwater Insurance vs. Tower Hill Insurance
When comparing Stillwater Insurance and Tower Hill Insurance, consider factors such as average costs, coverage options, and customer satisfaction.
Average Costs
– **Stillwater Insurance**: Known for offering competitive rates, Stillwater provides a range of discounts, including multi-car, multi-policy, and good driver discounts. Their rates are generally lower than the national average, making them an attractive option for budget-conscious consumers.
– **Tower Hill Insurance**: Tower Hill is recognized for its affordable rates, which are approximately 50% lower than the national average. They offer a variety of coverage add-ons, including a rare private flood insurance endorsement, which can influence overall costs.
Coverage Options
Stillwater Insurance offers a broad array of insurance products, including auto, home, renters, condo, landlord, and umbrella insurance. They provide standard coverage options and add-ons, such as rental reimbursement and roadside assistance, allowing policy customization.
**Tower Hill Insurance** specializes in home insurance with a tiered policy structure, catering to high-value homes. They offer over 20 coverages and policy add-ons, including private flood insurance with up to $5 million in protection, which is particularly beneficial for Florida residents.
Customer Satisfaction
– **Stillwater Insurance**: While Stillwater has a strong “A+” rating from the Better Business Bureau, it has a higher-than-average number of customer complaints, as indicated by its NAIC rating of 2.8. It was not included in J.D. Power’s 2022 customer satisfaction surveys, which may impact perceptions of its service quality.
– **Tower Hill Insurance**: Tower Hill has faced challenges with customer satisfaction, averaging five times more complaints than similar companies in 2021. Its AM Best rating was downgraded to “B” (fair) in October 2022, which may affect customer confidence.
Availability
Stillwater Insurance operates nationwide, providing coverage in all 50 states and Washington, D.C., which makes it more accessible for potential clients.
– **Tower Hill Insurance**: Primarily available in Florida and 21 other states, which may limit its accessibility for those outside these regions.
Stillwater Insurance vs. Progressive
When comparing Stillwater Insurance and Progressive, evaluating them based on average costs, coverage options, and customer satisfaction is essential.
Average Costs
Stillwater Insurance offers competitive rates, but on average, their rates are higher than Progressive’s. Customers have reported savings with Stillwater, particularly in auto and homeowner insurance, with savings of approximately $389 and $582.63 per year, respectively.
Progressive: Progressive generally offers cheaper policies compared to Stillwater. Its average monthly rate is about $119, making it more affordable for many consumers.
Coverage Options
Stillwater Insurance provides a range of insurance products, including auto, home, renters, and umbrella insurance. It offers customizable policies with 24/7 policy management and online customer service chat, although it lacks rideshare coverage.
– **Progressive**: Offers an extensive range of insurance products, including auto, home, renters, and specialty insurance. Progressive is known for its innovative offerings, such as the Snapshot program, which rewards safe driving habits. They also provide more extensive coverage options and discounts than Stillwater.
Customer Satisfaction
** Stillwater Insurance ** has mixed online reviews and a higher-than-average number of customer complaints. Stillwater’s claims service appears well-reviewed, but customer satisfaction is hard to gauge due to limited third-party evaluations.
– **Progressive**: Generally receives positive feedback for customer service and claims handling. They have a strong industry reputation and are known for their technological advancements, such as online policy management and mobile apps. Progressive’s customer satisfaction ratings are typically higher than Stillwater’s.
Stillwater Insurance vs. State Farm
When comparing Stillwater Insurance and State Farm, several factors, such as average costs, coverage options, and customer satisfaction, should be considered.
Average Costs
– **Stillwater Insurance**: Stillwater’s premiums are considered middle-of-the-road, and specific average costs are not readily available. They offer discounts such as multi-car and good driver discounts, which can help reduce costs.
– **State Farm**: Known for competitive pricing, State Farm offers a wide range of discounts, including those for safe driving and multiple policies. Their average rates are lower than many competitors, making them a cost-effective choice for many consumers.
Coverage Options
Stillwater Insurance provides standard auto insurance coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments. It also offers additional options like rental reimbursement and towing. However, its add-on coverage options may be more limited than those of its competitors.
– **State Farm**: Offers a comprehensive array of insurance products, including auto, home, and life insurance. They provide a wide range of endorsements and discounts for policy customization. State Farm is known for its robust network of local agents, which can enhance the customer experience through personalized service.
Customer Satisfaction
Stillwater Insurance has a higher-than-average number of customer complaints, as indicated by its NAIC rating of 2.8. It is not ranked in J.D. Power’s Auto Claims Satisfaction Study, and customer reviews are mixed, with some concerns about claims handling.
– **State Farm**: Generally receives positive third-party customer service ratings and is often praised for its claims handling and customer support. They have a strong reputation for reliability and customer satisfaction, supported by a large network of local agents.
Availability
– **Stillwater Insurance**: Available nationwide, offering coverage in all 50 states.
– **State Farm**: Also available nationwide, with a strong presence across the United States.
Stillwater Insurance vs. GEICO
When comparing Stillwater Insurance and GEICO, it’s important to consider average costs, coverage options, and customer satisfaction.
Average Costs
Stillwater Insurance offers competitive rates, but they tend to be higher than GEICO’s. For example, one user reported a Stillwater car insurance premium of $300 per month, compared to $400 per month with GEICO for the same coverage.
– **GEICO**: Known for offering some of the nation’s most affordable car insurance rates. GEICO’s average monthly rate is approximately $88, making it a cost-effective choice for budget-conscious drivers.
Coverage Options
Stillwater Insurance provides standard coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, rental reimbursement, and towing. However, their add-on coverage options are more limited than those of some competitors.
– **GEICO**: Offers a wide range of coverage options, including mechanical breakdown insurance and rideshare coverage, which Stillwater does not provide. GEICO also provides a robust list of discounts, enhancing its appeal to a broad range of customers.
Customer Satisfaction
Stillwater Insurance has mixed customer reviews, with a significant increase in customer complaints in 2023 compared to previous years. It is not ranked in J.D. Power’s Auto Claims Satisfaction Study, and while its claims service is sometimes well-reviewed, overall satisfaction is mixed.
– **GEICO**: Generally receives positive feedback for customer service and claims handling. It has a strong reputation for customer satisfaction, supported by a robust online portal and mobile app, making it user-friendly for policy management.
FAQs Related to Stillwater Insurance
What is the difference between Actual Cash Value and Replacement Cost for my personal belongings?
Actual Cash Value is the amount of money the insurance company will pay to replace an item that has been stolen or damaged, minus depreciation. Replacement Cost Coverage pays the full amount needed to purchase a new, comparable item, minus the deductible.
Am I covered if someone is injured in my home?
Yes, the typical homeowners policy provides liability coverage for injuries occurring in your home.
Does the age of the home affect my premium, or just the condition it's in?
Generally, the older your home, the more expensive it is to insure due to the risk of loss associated with roof claims and older plumbing.
If a tree from a neighbor's yard falls onto my property, who pays for the damage?
In most cases, the damage is covered by your policy, even though the tree belongs to your neighbor.
Will my premium increase if I file a claim?
A higher number of claims can usually translate into a higher premium. However, most companies exclude weather-related claims from being counted as a factor in their decision.
Does my coverage apply to other structures on the property (e.g., garage, shed, barn)?
Homeowners policies provide coverage for other structures, typically classified as Coverage B, with a limit usually starting at 10% of the amount of your Coverage A.
Do pets affect my coverage?
Owning an "aggressive dog" breed could increase the cost of your home insurance policy due to the prevalence and cost associated with dog bites.
Can my Homeowners insurance be canceled?
Yes, your insurance company can drop you, but it's important to know that being dropped (considered a non-renewal) is different from being canceled. You will be informed if your policy is going to be dropped so you have adequate time to shop for new coverage.
Is there anything in my home that would require a separate insurance policy?
Yes. A homeowners policy may include specific sub-limits for items like firearms, jewelry, etc., which might need additional amounts of insurance. Traditional homeowners policies do not provide coverage for floods or earthquakes, which would require separate policies.
Does condo insurance cover personal injury?
Yes. Condo insurance protects you from liability claims and lawsuits if a guest gets injured in your home.
What does my Condo Policy cover as opposed to my Home Owners Association policy?
Condo insurance covers the inside of your condo while the external areas like the pool, hot tub, elevators, and the building itself are covered by the Home Owners Association insurance policy.
Does my condo insurance cover theft?
Yes. The Personal Property coverage on your Condo Policy is designed to cover theft of personal belongings.
Is condo insurance cheaper than home insurance?
Yes. Condo insurance protects the interior of the unit as opposed to the external structure, which accounts for the typically significant cost difference between a Condo Policy and a Homeowners policy.
Do I need loss assessment Coverage?
Condo insurance provides an option to purchase this valuable coverage. Loss Assessment Coverage protects you if your HOA surpasses the limits of its master policy in the event of a catastrophe like a hailstorm.
What's an "all-in" condo master policy?
Your condo association has a Home Owners Association master policy that covers the exterior of your complex and sometimes includes coverage for the interior of your unit as well. An "all-in" condo master policy means that fixtures in your condo, such as appliances, wiring, plumbing, and carpets, are covered under the master policy.
What's a "bare walls-in and wall studs in" condo master policy?
Your condo association has a Home Owners Association master policy that covers the exterior of your complex and the bare structure of your unit. It will not provide coverage for your condo's interior contents, including bathroom and kitchen fixtures and countertops, in addition to your personal property.
If my garage burns down, and my car is in the garage, is my car covered under my homeowners insurance?
No. You need to have car insurance on your vehicle with comprehensive physical damage coverage in order to be covered. Even if the car is in your garage, it is not covered under your homeowners insurance policy.
How do factors like my driving history and credit score affect my premium?
Insurance companies use data to predict the likelihood of an accident. A history of tickets or accidents generally results in higher rates. Lower credit scores can also lead to higher premiums, as they are correlated with a higher likelihood of filing a claim.
Does my personal policy cover my rental car while I'm on vacation?
Most insurance companies provide the same coverage on your rental car that you have on your personal car. However, if you only have liability on your personal car, you will only have liability coverage for the rental car.
If I get into an accident driving a friend's car, whose insurance do I use?
Your friend's insurance policy provides the primary coverage. In this case, since your friend is the registered owner of the car, their car insurance policy will be responsible for damages.
Does the age of the vehicle affect my premium, or just the condition it's in?
In most insurance policies, the age of a vehicle is used to calculate your insurance premium. The condition of the vehicle may be used to determine eligibility or the type of coverage that's available to you.
Can I buy just liability insurance to save money?
Liability insurance covers the damage to other vehicles, property, and medical care if you're at fault in an accident. If you only have liability insurance, the cost of your medical bills will have to be paid out of pocket.
Can I put anyone on my policy?
You can include members of your household on your policy, but you must all live at the same address.
Do I have to pay more for auto insurance if I'm single?
A recent study by the National Institute of Health has shown that single drivers are twice as likely to be in an accident than married drivers, which could result in a higher premium.
Do I have the right to choose whether or not my vehicle is a total loss?
The insurance company determines whether or not your vehicle is a total loss.
What does landlord insurance cover?
Landlord insurance covers property damage, liability claims, and loss of rental income. It does not cover the personal property of tenants.
What is the difference between landlord insurance and homeowners insurance?
Landlord insurance is specifically designed for rental properties, covering risks associated with renting out a property, whereas homeowners insurance covers personal residences.
Do I need landlord insurance if I have a mortgage?
Yes, most mortgage lenders require landlord insurance if you are renting out a property.
What is the cost of landlord insurance?
The cost of landlord insurance varies based on factors such as the location, value of the property, and the number of tenants.
Does landlord insurance cover tenant damage?
Yes, landlord insurance typically covers damage caused by tenants, including intentional damage and neglect.
Can I customize my landlord insurance policy?
Yes, you can customize your landlord insurance policy to include additional coverages such as flood or earthquake insurance.
If my roommate has Renters insurance, am I covered too?
No, a Renters insurance policy will not cover a policyholder's roommate(s) unless they are specifically listed on the policy.
How much does Renters insurance cost?
According to the National Association of Insurance Commissioners, the average Renters insurance policy costs $15-$30 per month, varying by state and the amount of coverage needed.
Does my Renters policy cover my pet?
Pets are not considered personal property for the purposes of Renters insurance, so they will not be covered for illness or injury. However, the liability portion of your Renters policy may cover damage or injury caused by your pet.
Are my items still insured if they are stolen from my bag/car outside of the dwelling?
Generally, the policy provides coverage for your personal property while it is anywhere in the world, although most policies include a sub-limit for personal property that is at another residence or in a storage facility.
Does coverage extend to storage units (either within the property - i.e., basement - or outside the dwelling entirely)?
Yes. Coverage generally extends to storage units, although the limit of insurance may be reduced.
Is Personal Liability Insurance included in a Renters policy?
Most Renters insurance policies provide coverage for Personal Liability, which may vary from company to company.
Is my property covered if roommate(s) caused the damage? (i.e., theft, accidental fire, etc.)?
Renter's policies typically provide coverage for theft or fire in the event your property is damaged if the person responsible for the fire is not an insured on the policy.
What is the difference between General Liability (GL) and Business Owners Policy (BOP)?
General Liability protects you and your business from general claims involving bodily injury and property damage. A Business Owners Policy bundles General Liability and Commercial Property into one product, covering damage to your building and supplies, loss of income if your business is interrupted due to a catastrophe, and cyber protection.
What basic insurance do I need for my small business?
The basic insurance needed for a small business typically includes General Liability and Commercial Property insurance.
What is the difference between general and professional liability insurance for my business?
General liability protects you against claims for bodily injury and property damage, while professional liability protects you and your staff against negligence claims relating to your delivery of professional services.
When should I renew my business insurance?
At the end of the coverage period.
Does business insurance cover loss of wages?
Most standard business insurance policies cover only loss or damage to tangible items -- your equipment and inventory and your warehouse, office or store -- and not lost profits if your business cannot operate. To get business interruption coverage added to your business policy, you'll need to document your current net income.
Is BOP the same thing as Commercial Package Policy (CPP)?
No. A BOP policy is designed for small-to medium-sized companies, combining protection for all major property and liability risks into one policy. CPP policies are intended for larger companies with greater, more complex risks that require more unique solutions, services, more underwriting and substantially different pricing.
What business insurance is required by law?
Business insurance is required by law under certain conditions. The following business insurance is required by law if it is applicable to your situation: Unemployment insurance: Applies to a business that has employees and may be obligated to pay unemployment insurance taxes under prescribed conditions; if these conditions are applicable to your business, then you must register your business with the state work force's agency.
Is a BOP policy right for me?
A BOP policy makes sense if your business is located outside of your home (in-home is acceptable with no foot-traffic), is located in a building you own under 35,000 square feet, has less than 50 employees and less than $6 million in annual sales.
What's not covered under a BOP policy?
A BOP policy does not cover professional liability/professional services (though that is available for a few business types), workers' compensation, disability, or health insurance. These will need to be purchased separately.
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Blake Nwosu
Owner & Principal Agent
Expertise: All personal and commercial line insurance, including auto, home, business, health, and life insurance.
License: 16117464
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed