Why Stillwater Matters for Independent Agents
Stillwater Insurance Group was founded in 2000 and has built a focused personal lines operation centered on homeowners, renters, condo, and flood insurance. Unlike carriers that try to write everything, Stillwater has concentrated their underwriting expertise on residential personal property risks — and the result is a carrier that does those products well.
For independent agents, Stillwater's appeal is practical: they are competitive in non-coastal markets where many of the larger carriers have raised rates or restricted appetite, their underwriting is clear and predictable, and their agent experience is straightforward. When you need a homeowners market that works for standard interior residential risks, Stillwater is a reliable choice.
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Stillwater Homeowners Insurance
Stillwater's core product is homeowners insurance for owner-occupied single-family homes. They are most competitive for standard residential risks in non-coastal markets — homes without significant wind, flood, or wildfire exposure where their pricing is aggressive.
- HO-3 homeowners — standard owner-occupied single-family residential
- Replacement cost coverage — standard on most policies
- Competitive rates in non-coastal interior markets
- Available in most states — strongest in Midwest, South, and inland Southeast
- Clear underwriting guidelines — fewer surprises for agents
Stillwater Renters and Condo Insurance
Stillwater offers renters and condo insurance that pairs with their homeowners product. These products round out an agent's residential coverage capability — allowing the same carrier relationship to serve homeowners, renters, and condo owners.
- Renters insurance — personal property, liability, additional living expenses
- HO-6 condo — interior unit coverage for condominium owners
- Competitive rates for standard residential renters and owners
Stillwater Flood Insurance
One of Stillwater's most useful capabilities for independent agents is their flood insurance participation. As an NFIP Write Your Own (WYO) carrier, Stillwater allows agents to write National Flood Insurance Program coverage under the Stillwater brand.
This is significant because flood insurance is legally required for mortgaged properties in Special Flood Hazard Areas and is strongly recommended for many others. Having a single carrier that provides both homeowners and flood coverage simplifies the agent's workflow and the client's insurance relationship.
- NFIP flood insurance — available nationally through Stillwater WYO
- Residential and commercial flood options
- Same carrier relationship for homeowners and flood simplifies billing and service
- Critical coverage for clients in flood zones or near bodies of water
Stillwater Umbrella Insurance
Stillwater offers personal umbrella policies that extend liability coverage above auto and homeowners limits. This is a natural upsell for existing Stillwater homeowners clients — adding meaningful additional coverage without adding another carrier relationship.
Why Agents Choose Stillwater
Agents who write Stillwater consistently cite three core advantages:
- Competitive non-coastal pricing: In interior markets away from hurricane, wildfire, and severe coastal exposure, Stillwater prices aggressively. Agents serving clients in these markets frequently find Stillwater competitive or best-in-market on price.
- Flood + homeowners in one relationship: Having a carrier that writes both standard homeowners and NFIP flood simplifies an agent's life significantly. Clients who need both get a streamlined experience; agents manage fewer carrier relationships.
- Predictable underwriting: Stillwater's guidelines are clear. Agents know what they will and will not write before submitting, which reduces wasted time on declines and creates a more efficient quoting workflow.
Getting Appointed Through IPA
Stillwater has an agent appointment process, and through IPA, agents bypass the initial standalone application and access Stillwater immediately under IPA's master agency code. Homeowners, renters, condo, flood, and umbrella are all available from day one through the same IPA relationship.
- Immediate access — no individual appointment approval required
- Homeowners, renters, condo, flood, and umbrella through one relationship
- Competitive commission structure
- IPA underwriting support for Stillwater questions and escalations
Ready to Access Stillwater Through IPA?
If you write personal lines in non-coastal markets and want a reliable homeowners carrier that also handles flood, Stillwater through IPA is a practical and competitive appointment. Their clear underwriting and NFIP participation make them a consistent performer in any personal lines portfolio.
Book a discovery call to learn how IPA carrier access works and what your commission structure would look like.