Stillwater Insurance Group
Complete Protection for Your Home
Your home is one of your largest investments. You need comprehensive coverage tailored to your individual home and possessions. Stillwater Insurance offers quality, basic coverage with many standard features, plus a full array of coverage options to enhance your protection.
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Stillwater Homeowners Insurance Policy Protects:
Simply put, a homeowners policy should make you financially “whole” again if your home is damaged or destroyed by events like fire or storm, or is burglarized.
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Stillwater Insurance Homeowners Policy Protects:
- Detached Structures, such as a garage or shed.
- Personal Belongings, including furniture, clothing, appliances and much more.
- Loss of Use, for living expenses, when the home is damaged and uninhabitable due to a covered loss.
- Fast, efficient claim reporting 24/7, 365 days a year.
- Fast, fair and reliable claims payment.
- After hours emergency response team will be onsite within hours of a serious loss.
We’ll Be There When You Need Us
Complete Protection for Your Home
Fast, efficient claim handling around the clock, 365 days a year. After hours emergency response team will be onsite within hours of a serious loss. When hurricanes, tornados, wildfires, earthquakes and hailstorms strike, Stillwater Insurance will be ready with our nationally recognized catastrophe response service. The service includes onsite response teams, mobile technology and a fleet of custom-built vehicles.
Serving customers in 50 states, providing a suite of essential personal and commercial insurance products.
Stillwater Landlord Insurance
- Property Damage resulting from covered perils such as Fire, Water, Collapse, Explosion, Hail, Lightning, Smoke, Vandalism and Wind.
- Detached Structures, such as a garage or shed.
- Personal Belongings of Owner, including furniture, appliances and more.
- Loss of Rental Income - In the event your rental units become uninhabitable due to a covered loss.
- Premises Liability, that protects you if your tenant or a visitor is injured on your property due to your negligence.
- Optional Coverage - Personal Property Replacement Cost, Identity Theft Protection, Water Backup & Sump Overflow etc...
Unmatched Selection of Coverage Options:
- Additional Replacement Cost Protection. Provides the extra insurance you need to rebuild your house if your coverage amount is inadequate.
- Contents Replacement. Provides full replacement cost for personal belongings of owner.
- Personal Injury. Protects you against libel and slander.
- Identity Theft Protection. Provides assistance from a consumer fraud specialist and covers expenses related to restoring your good name and financial reputation.
- Umbrella Policy. Offers an additional $1 million to $5 million of liability protection.
Stillwater Condominium/Townhome Insurance
Stillwater Condominium/
Townhome Insurance
- Stillwater Condominium/Townhome Insurance (a.k.a. Walls-In Coverage or Form HO-6) is dedicated to providing you with exceptional service:
- Condo - Interior Dwelling Coverage - Walls-In Coverage.
- Personal Property Coverage - Personal Belongings including Furniture, Clothing, Appliances and much more.
- Personal Liability Coverage - Pays for expenses associated with bodily injury or property damage to others due to negligence.
- Loss of Use - Pays the bills or expenses you have as a result of losing the use of your residence.
- Loss Assessment Coverage - an optional coverage which is extremely vital in the event of an assessed charge by your HOA due to unexpected damages incurred by a Condominium or Townhome association. There may be many instances whereby a Unit Owner may be assessed a share of damages incurred by the HOA; if the damage is caused by a covered peril, this endorsement will help pay for the assessment.
Renters Insurance Policy Protects:
Stillwater Insurance has the most competitively priced Renters Insurance. We offer great value with many money-saving discounts:
- Personal Property - Protection of personal belongings from fire, vandalism, theft and other covered perils.
- Loss of Use - Covers the cost of the hotel, food and other expenses that you incur in case you can't live in your rental unit due to a covered peril.
- Personal Liability - Coverage for Bodily Injury and Property Damage caused by your negligence. Perhaps an overflowing bathtub or your dog gets loose and chases the mailman...
- Additional Insured Clause - Listing the Landlord on your policy will automatically provide the Landlord with a copy of your policy and will be in compliance with most lease agreements.
- Smoke detectors
- Dead bolts
- Fire extinguishers or alarm systems
Earthquake Insurance Policy Protects:
Depending on where you live, Earthquake Insurance may be the most important form of coverage for your home. Most Homeowners Insurance policies don’t cover damage caused by earthquakes; it is important to get a quote and assess your risk.
- Detached Structures, such as a garage or shed.
- Personal Belongings, including furniture, clothing, appliances and much more.
- Loss of Use, for living expenses, when the home is damaged and uninhabitable.
- Fast, efficient claim handling around the clock, 365 days a year
- Fast, fair and reliable claims payment
- After hours emergency response team will be onsite within hours of a serious loss
Personal Umbrella Insurance
- A Secondary type of insurance that will cover your liability legal fees and judgment expense when your primary coverage is exhausted.
- Are you a homeowner? Do you have a pool or a hot tub? Do you own a dog?
- Do you own vacant land? Do you own rental property? Do you have significant savings or assets?
- Are you a parent of a young driver? Do you have a long commute for work or drive during rush hour on a regular basis?
- Most of us can benefit from Umbrella Insurance. A large lawsuit can wipe out not only your current savings, but also what you stand to earn in the future.
Commercial - Business Owners Insurance
- Business Owners Policy (BOP) is a package of essential insurance coverages designed for small to medium-sized companies.
- Our BOP product is designed to be easy to buy and easy to own. Pricing is very affordable and policy wording and coverage options are clear and understandable.
- Property - Pays to repair or replace your buildings, furniture, supplies, equipment or computers destroyed or damaged in a fire or other covered loss.
- General Business Liability Protection - Pays when your company or workers are responsible for property damage or injuries due to trips and falls, product-related injuries, or other mishaps.
- Business Interruption - Replaces lost income when your business is disrupted due to direct damage. It also pays extra expenses for operating out of a temporary location, and to secure your property.
Brochures
Please review your quote to make sure that all details are correct, verify that the coverage, deductible and payment options selected are exactly what you desire before completing your online purchase.
