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June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Nov 04, 2022 Bankrate logo The Bankrate promise
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Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. At a glance
Not rated Bankrate Score Home 0.0 Auto 0.0 About Bankrate Score Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Available nationwide, Stillwater could be a good option for homeowners in high-risk areas. The company has a higher-than-average complaint index from the National Association of Insurance Commissioners (NAIC), though, which means its customer service could be less than stellar. Pros and Cons Quick Look Pros Available in 50 states May be an option for customers living in high-risk areas Cons Limited endorsement options for personalizing home and auto insurance policies High NAIC Index score indicates Stillwater receives more customer complaints than average compared to other insurance companies Car insurance policies are relatively basic No auto or home services are available Home coverage may be available in high-risk areas Compare rates Answer a few questions to see personalized rates from top carriers Originally part of Fidelity National Financial (FNF), Stillwater Insurance became a separate company in 2012 after FNF decided to leave the insurance market due to the major losses it suffered from hurricanes Katrina, Rita and Wilma. Despite rebranding as Stillwater Insurance Group, the company continues to service customers in all states for car and home insurance. The Stillwater Insurance Group is made up of three companies: Stillwater Insurance Company, Stillwater Insurance Services, Inc and Stillwater Property and Casualty Insurance Company. Together, the companies sell various lines of insurance, including auto and home, in all 50 states while offering customizable coverage for every individual’s needs. Stillwater car insurance
Compared to other , Stillwater car insurance consists of mostly standard coverage options. Drivers can fulfill their state's minimum requirements for car insurance with bodily injury and property damage liability coverage, as well as personal injury protection in some states. Stillwater also offers collision and comprehensive coverage, medical payments, rental reimbursement and towing. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Shop rates and compare quotes
Get personalized auto insurance quotes by answering a few quick questions Quick facts on average this year by shopping for new car insurance Rates vary by state The average American pays for auto insurance Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More Stillwater received an A- rating for financial strength from AM Best, which suggests an excellent ability to meet ongoing financial obligations. However, it did not rank in JD Power's Auto Insurance Study for 2021 for customer satisfaction and claims process. Additionally, its National Association Of Insurance Commissioners (NAIC) scores for both and were higher than average, indicating that Stillwater receives two to three times the amount of complaints when compared to the average. Stillwater car insurance cost
Average premiums for Stillwater car insurance are not available, but knowing other figures can help with providing a baseline for comparison. The national is $1,771 per year for full coverage and $545 for minimum coverage. As you request car insurance quotes, keep in mind that your actual rates may differ from the average due to individual rating factors, such as your driving history, annual mileage, type of vehicle and more. National average annual full coverage premium Clean driving history $1,771 $2,138 $2,521 $3,852 *16-year-old rates reflect the added cost to their parents' full coverage car insurance policy. Stillwater car insurance discounts
The offer many discounts to help . Compared to other carriers, Stillwater's auto insurance policy discounts are more standard. The discount opportunities include: Multi-car discount Insuring more than one car on your policy could result in cheaper premiums for each vehicle. Multi-policy If you have more than one policy with Stillwater, this discount could be added to your policy. Paperless Enrolling in paperless statements could result in an additional discount on your car insurance. Stillwater does not advertise any additional services for car insurance customers. Stillwater home insurance cost
Although the average Stillwater home insurance rates are unavailable, the national is $1,383 per year for $250,000 in dwelling coverage. When requesting a quote from Stillwater, this number could be useful for comparison purposes. The average cost of homeowners insurance may also help you to narrow down the options to find the . Stillwater home insurance
In contrast to its auto insurance, Stillwater home insurance also offers a few add-on options for policy personalization. After selecting policy limits for standard coverage, like dwelling, personal property and liability, homeowners can also choose to add animal liability, identity theft and water back-up coverage to their homeowners policy. It is also possible to choose extended replacement cost for dwelling coverage or endorse the policy to cover personal property with . This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Stillwater home insurance cost
Although the average Stillwater home insurance rates are unavailable, the national is $1,383 per year for $250,000 in dwelling coverage. When requesting a quote from Stillwater, this number could be useful for comparison purposes. The average cost of homeowners insurance may also help you to narrow down the options to find the . Dwelling coverage limit National average annual premium $150,000 $980 $250,000 $1,383 $350,000 $1,887 $450,000 $2,351 $750,000 $3,414 Stillwater home insurance discounts
Homeowners may have many opportunities to save on their insurance policy with Stillwater, though the discount opportunities will likely depend on features of their home. Some discounts for Stillwater's homeowners insurance policy include: Accredited builder discount If certain accredited builders constructed your home, you may qualify for this discount on your home insurance policy. Gated community discount If your home is located within a gated community, you may qualify for additional savings on your policy. Roof type discount This discount could be added to your policy if your roof has been constructed with certain types of approved materials. Stillwater does not advertise any additional services for homeowners. Other Stillwater perks worth considering
While auto and homeowners insurance may be Stillwater’s most popular options, the company also offers a few other insurance products. These include: : A condominium insurance policy insures everything within the interior of your unit, including structures and personal possessions. : As a renter, protecting your personal belongings could be a priority. A renters policy also includes coverage for personal liability and loss of use. : If you want additional liability protection for both your home and auto insurance policies, consider an umbrella insurance policy. Stillwater corporate sustainability
Stillwater's website does not share as to whether the company is making ongoing efforts toward social responsibility. However, Stillwater was the 2017 BBB Torch Awards for Ethics for its commitment toward organizational ethics that benefit its customers, employees, vendors and wider community. Not sure if Stillwater is right for you Consider these alternatives
This Stillwater Insurance review may have given you a better idea of how it could suit your needs. Finding the best insurance company typically involves shopping around to see what rates and policy options each company might offer you. If you're looking for alternatives to Stillwater, it may be helpful to consider: : State Farm is known for having solid customer service ratings and a robust network of local agents, making it an option worth considering for those who want personalized service. : Headquartered in Florida, Tower Hill is familiar with the home insurance needs of Florida residents. : Geico's average car insurance rates are some of the most affordable in the nation, making it a choice to explore for drivers on a budget. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Auto
$100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts. Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident. Homeowners
Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000 Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000 Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000 Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes will differ. Compare rates and save on auto insurance today! Get quotes Close X On This Page
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