Pros
Cons
I submitted a claim through their website in 2025, I was promptly contacted to discuss the water damage, they sent an adjuster to view the damage within days of that conversation. I was sent notification that my claim was approved and received payment for repairs with a couple of weeks. I had a great experience with their customer service and process.
I was a little nervous switching to Stillwater, because I had never heard of them. Their rates were so much lower than Esurance that we gave them a go. The price for the auto insurance did go up by $10/month after the initial quote, because we had an uninsured motorist claim, which was 100% on the other driver. This wasn't great, but the price was still lower.
They cancelled my HOI within a month after closing because they said my roof had "excessive granular loss". My Home inspector specifically stated that the shingles still had a perfectly good amount of granules on the shingles prior to closing. I never received notice via email, only found out when I received a refund check in the mail.
I had two unexpected claims in 2023. Everything was dealt with. Claims were closed, no claims since. I receive a non renewal letter today citing the two claims from two years ago. What's the point of insurance if you can't use it when you need it. I have certainly paid out more to them than they have had to pay out on my behalf.
They charged me almost $900 dollars more, on a policy that was barely over $1,000 dollars. I had no claims, no changes in the 20 years in Arizona they had my policy. In Arizona an insurance company is not allowed to change classifications without a physical assessment. Now no one in the company will talk to me regarding this matter.