Are You Safe With Stillwater Homeowners Insurance?

Stillwater Home InsuranceStillwater Homeowners Insurance provides coverage for your home and personal property from a variety of perils, such as Fire, Theft, Wind, Vandalism, Water Damage, Hail etc… Stillwater covers your home and personal contents; if your home is uninhabitable due to a covered loss, the named insured will be paid for living expenses due to the Loss of Use.

In addition to coverage for physical loss of the home and personal belongings, Stillwater Insurance provides Personal Liability Insurance protecting against bodily injury or property damage to others caused by the negligence of the insured residents.


What is Stillwater Replacement Cost?

Stillwater Insurance offers Extended Replacement Cost coverage; subject to the coinsurance clause on the policy, it pays the full cost of reconstructing the dwelling up to an additional percentage above and beyond the Dwelling Coverage Limit (25% & 50% available)

Replacement Cost – Contents is offered on all Homeowners Form policies; this provides for the full replacement of covered personal belongings without depreciation at current values.


Flexibility to Individual Insurance Needs:

Stillwater Insurance policies allow you to add customized coverage to meet your unique needs. High value items such as jewelry, art, silverware etc…  may be added by endorsement.

Personal Injury coverage may be added to the Liability Section of the Homeowners Policy for a small premium; also, Identity Theft coverage is available by endorsement.

For families requiring higher than $500,000 Personal Liability; Stillwater Insurance provides a Personal Umbrella Policy up to a maximum limit of $5 Million subject to underwriting and underlying policy requirements.


Earthquake & Flood Insurance Available

Homeowners Insurance does not cover the perils of Earthquake and Flood;  a loss to your home from either one of these perils could be devastating.

  • Comprehensive Earthquake Coverage – Provides coverage for your home, personal property and loss of use. Deductible options – 10% & 15%
  • Flood Insurance Coverage – Available through the National Flood Insurance Program (division of FEMA).

Exceptional Customer Service

Stillwater Insurance strives to efficiently service the needs of insured policyholders as well as those who constantly need to communicate with the service center regarding inquiries, verification, changes and copies of documents.

  • Online Customer Portal for Payments (Visa, MC, American Express, Discover, Check)
  • Online and Toll Free Customer Service during extended business hours (8AM – 9PM ET)
  • Online Chat available for policyholders
  • 24 Hour Claims Reporting Service
  • And more!


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