Stillwater Insurance

Stillwater is a Jacksonville home and auto insurer that sells in all 50 states, online and through agents. Rated A by Demotech and B++ by AM Best.

You can find it on our list of Florida home insurance companies. It is also on our list of Florida auto insurance companies. Its Florida company code is 09592 and its NAIC number is 16578.

Taking new policiesChecked Oct 19 Home, condo, renters, auto and business

Is Stillwater leaving Florida? No. Its site was quoting home and auto on Oct 10, 2026 with no Florida stop, and Demotech affirmed its A rating on Sept 14, 2026. As of Oct 19, 2026. Source: stillwaterinsurance.com.

By , updated

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

5,840

Jul 31, 2026, OIR

Latest rate change

Not available

No rate change on file

Financial strength

A (Exceptional)

From Demotech, as of Oct 20, 2026

Complaints

2.79

NAIC index, 2025. 1.00 is average.

Can I get a policy?

We're still gathering this company's rules. Call and we'll check for you.

Talk to a licensed agent (727) 997-5999

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What's changed recently

  1. AM Best ends review and affirms ratings

    AM Best had the ratings under review with negative implications. It removed that status. It affirmed the credit ratings of WT Holdings Inc. and its subsidiary. It is the rated company in the Stillwater group.

  2. AM Best keeps ratings under review

    AM Best kept its review going. The credit ratings of WT Holdings Inc. and its subsidiary stayed under review. The review had negative implications.

  3. AM Best puts Stillwater group under review

    AM Best started a review. It put the credit ratings of the Stillwater Insurance Group members under review. The review had negative implications.

See every Stillwater update

Rate history

No rate filings tracked yet.

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A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

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40 years in Florida

In Florida since 1986. Has paid claims through 23 hurricanes.

19901995200020052010201520202025 Floyd (1987 , Category 1 at Florida landfall) Floyd Cat 1 Andrew (1992 , Category 5 at Florida landfall) Andrew Cat 5 Erin (1995 , Category 2 at Florida landfall) Erin Cat 2 Opal (1995 , Category 3 at Florida landfall) Opal Cat 3 Earl (1998 , Category 1 at Florida landfall) Earl Cat 1 Georges (1998 , Category 2 at Florida landfall) Georges Cat 2 Irene (1999 , Category 1 at Florida landfall) Irene Cat 1 Charley (2004 , Category 4 at Florida landfall) Charley Cat 4 Frances (2004 , Category 2 at Florida landfall) Frances Cat 2 Ivan (2004 ) Ivan Jeanne (2004 , Category 3 at Florida landfall) Jeanne Cat 3 Dennis (2005 , Category 3 at Florida landfall) Dennis Cat 3 Wilma (2005 , Category 3 at Florida landfall) Wilma Cat 3 Matthew (2016 ) Matthew Irma (2017 , Category 4 at Florida landfall) Irma Cat 4 Michael (2018 , Category 5 at Florida landfall) Michael Cat 5 Ian (2022 , Category 4 at Florida landfall) Ian Cat 4 Nicole (2022 , Category 1 at Florida landfall) Nicole Cat 1 Idalia (2023 , Category 3 at Florida landfall) Idalia Cat 3 Debby (2024 , Category 1 at Florida landfall) Debby Cat 1 Helene (2024 , Category 4 at Florida landfall) Helene Cat 4 Milton (2024 , Category 3 at Florida landfall) Milton Cat 3 Isaías (2026 , Category 2 at Florida landfall) Isaías Cat 2

Compare Stillwater side by side

Stillwater side by side with State Farm and Universal Property
Stillwater State Farm Universal Property
New policies Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026
Florida policies 5,840 Florida OIR, Jul 31, 2026 654,641 Florida OIR, Jul 31, 2026 594,182 Florida OIR, Jul 31, 2026
Latest rate change Not available +0.8% Home, from Jan 15, 2026 −5.1% Home, from Oct 16, 2025
Complaint index 2.79 NAIC, 2025, nationwide, homeowners. 1.00 is average. 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average.
Financial rating A (Exceptional) Demotech, Oct 20, 2026 A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 1986 1934 1997

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Questions people ask about Stillwater

Is Stillwater leaving Florida?No public sign of it.

Its site was quoting home, condo, renters and auto on Oct 10, 2026, with no Florida stop or storm notice. Demotech affirmed its A rating on Sept 14, 2026.

Source: Stillwater home page, read Oct 10, 2026

What is the Stillwater claims phone number?Call 800-220-1351 to report a claim, 24 hours a day, 7 days a week.

You can also report it in your online account or the Stillwater app. Customer service is 800-849-6140.

Source: Stillwater contact page, read Oct 10, 2026

Is Stillwater a good company?Public data only: Demotech rates Stillwater Property and Casualty A (Exceptional), affirmed Sept 14, 2026.

Stillwater says AM Best rates it B++ (Good). AM Best reviewed the group's ratings in 2023 and affirmed them in March 2024.

Source: Demotech company page and Stillwater About page, read Oct 10, 2026

Who owns Stillwater?Public reports point to WT Holdings, Inc. AM Best's later 2023 and 2024 releases on the Stillwater group's ratings name WT Holdings Inc. and its subsidiary.

Pittco has announced an added equity investment in WT Holdings. The full ownership chart was not read for this check.

Source: AM Best release via Business Wire, 2023-08-31; InsuranceNewsNet Pittco item

Still deciding? Let us shop your Stillwater renewal.

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

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Stillwater reviews and complaints: what the public data shows

Stillwater rating

A (Exceptional) from Demotech, as of Oct 20, 2026.

Complaints
2.79 on the NAIC complaint index 1.00 is average. Higher means more complaints for its size. NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
Years in Florida
Since 1986 (40 years)
Regulatory actions
Not available

No star ratings and no user reviews, only public data.